Stewart Title Guaranty Company 401(k) Review & Grade
Stewart 401(k) Savings Plan
Houston, TXFinance & Insurance5,488 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,152Employer $ per active participant
$6,446Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$647.7MNet plan assets, end of year
$86,522Average balance per account
Score breakdown
- Employer generosity7.1 / 5014th percentile for employer $ per participant
- Low cost19.9 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 14th |
| Lower admin cost | 80th |
| Employee saving | 24th |
| Peers that auto-enroll | 66% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($3,544,886 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $11,664 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stewart Title Guaranty put in about $2,152 per active participant, below the typical peer ($4,489). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $11,807,001 |
| Participant (employee) contributions | $35,374,161 |
| Other contributions (incl. rollovers in) | $8,560,041 |
| Administrative expenses paid from the plan | $295,644 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $105,637 |
| Benefits paid out | $76,577,116 |
| Net assets, start / end of year | $589.8M / $647.7M |
| Active participants, start / end of year | 5,475 / 5,500 |
| Participants with account balances | 7,486 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Weaver & Tidwell LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $190,007 reported compensation |
| Capfinancial Partners, LLC | $71,250 reported compensation |
| Strategic Advisors, Inc. | $34,387 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009160125NAL0006867025001, received 2025-10-09, EIN 74-0924290, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.