Behavior Frontiers, LLC 401(k) Review & Grade
Behavior Frontiers, LLC 401(k) Plan
El Segundo, CAHealth Care & Social Assistance1,942 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$381Employer $ per active participant
$1,103Employee $ saved per active participant
2.31%Direct admin cost, % of plan assets
$9.5MNet plan assets, end of year
$4,776Average balance per account
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost0.2 / 251th 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-3 pts1 issue reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 1th |
| Employee saving | 24th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,627 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Behavior Frontiers put in about $381 per active participant, below the typical peer ($976). 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.
- Direct plan expenses (2.31% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $740,645 |
| Participant (employee) contributions | $2,142,394 |
| Other contributions (incl. rollovers in) | $41,594 |
| Administrative expenses paid from the plan | $184,699 |
| Contract administrator fees | $14,755 |
| Investment advisory & management fees | $28,076 |
| Benefits paid out | $743,104 |
| Net assets, start / end of year | $6.5M / $9.5M |
| Active participants, start / end of year | 1,135 / 2,749 |
| Participants with account balances | 1,988 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hinricher & Cousino LLP |
Largest service providers (Schedule C)
| Fidelity Workplace Services, LLC | $156,623 reported compensation |
| World Investment Advisors LLC | $28,076 reported compensation |
| Wealth Management Systems Inc | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002053507NAL0000101843001, received 2025-10-02, EIN 20-0939510, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.