Texas Organizing Project 401(k) Review & Grade
Texas Organizing Project 401(k) Plan
San Antonio, TXOther Services830 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$53Employer $ per active participant
$264Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$919,560Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.7 / 509th percentile for employer $ per participant
- Low cost9.0 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 36th |
| Employee saving | 6th |
| Peers that auto-enroll | 40% |
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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
- Texas Organizing Project put in about $53 per active participant, below the typical peer ($1,257). 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.
- 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 | $43,949 |
| Participant (employee) contributions | $219,595 |
| Other contributions (incl. rollovers in) | $15,492 |
| Administrative expenses paid from the plan | $3,045 |
| Benefits paid out | $322,568 |
| Net assets, start / end of year | $867,265 / $919,560 |
| Active participants, start / end of year | 769 / 892 |
| Participants with account balances | 61 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250617165926NAL0004664674001, received 2025-06-17, EIN 27-1482075, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.