Trans-Tech Energy, LLC 401(k) Review & Grade
Trans-Tech Energy, LLC 401k Plan
Mcgregor, TXWholesale Trade520 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,354Employer $ per active participant
$5,015Employee $ saved per active participant
0.47%Direct admin cost, % of plan assets
$26.2MNet plan assets, end of year
$63,648Average balance per account
Score breakdown
- Employer generosity31.2 / 5062th percentile for employer $ per participant
- Low cost6.2 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 25th |
| Employee saving | 55th |
| Peers that auto-enroll | 53% |
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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 ($212,227 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $81 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Trans-Tech Energy put in about $2,354 per active participant, more than the typical peer ($1,792). 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.
- Direct plan expenses (0.47% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,223,908 |
| Participant (employee) contributions | $2,607,830 |
| Other contributions (incl. rollovers in) | $1,435,219 |
| Administrative expenses paid from the plan | $106,866 |
| Contract administrator fees | $106,866 |
| Benefits paid out | $861,582 |
| Net assets, start / end of year | $19.1M / $26.2M |
| Active participants, start / end of year | 463 / 577 |
| Participants with account balances | 411 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Vantage Financial Group, Inc | $63,510 reported compensation |
| Empower Annuity Insurance Company | $42,560 reported compensation |
| Trinity Pension Consultants Inc | $10,171 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251106135803NAL0006399171001, received 2025-11-06, EIN 46-1316128, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.