Tdindustries, Inc. 401(k) Review & Grade
Tdindustries, Inc. 401k/esop Retirement Plan
Dallas, TXConstruction2,796 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,252Employer $ per active participant
$5,351Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$321.3MNet plan assets, end of year
$70,636Average balance per account
Score breakdown
- Employer generosity42.0 / 5084th percentile for employer $ per participant
- Low cost20.7 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1557th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 83th |
| Employee saving | 57th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Tdindustries put in about $5,252 per active participant, more than the typical peer ($1,965). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- 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 | $14,687,976 |
| Participant (employee) contributions | $14,964,742 |
| Other contributions (incl. rollovers in) | $807,635 |
| Administrative expenses paid from the plan | $119,543 |
| Benefits paid out | $23,069,448 |
| Net assets, start / end of year | $246.6M / $321.3M |
| Active participants, start / end of year | 2,683 / 2,910 |
| Participants with account balances | 4,548 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
| Employer stock held by plan | $178,076,053 |
Largest service providers (Schedule C)
| Milliman, Inc. | $119,543 reported compensation |
| Charles Schwab Bank | $11,352 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006100037NAL0003236801001, received 2025-10-06, EIN 26-0464612, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.