Beyond, Inc. 401(k) Review & Grade
Beyond 401(k) Plan
Murray, UTRetail Trade650 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,711Employer $ per active participant
$10,145Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$151.1MNet plan assets, end of year
$106,390Average balance per account
Score breakdown
- Employer generosity49.9 / 50100th percentile for employer $ per participant
- Low cost19.1 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 77th |
| Employee saving | 99th |
| Peers that auto-enroll | 48% |
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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
- Beyond put in about $6,711 per active participant, more than the typical peer ($743). 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 | $4,365,698 |
| Participant (employee) contributions | $6,599,472 |
| Other contributions (incl. rollovers in) | $637,882 |
| Administrative expenses paid from the plan | $130,545 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $49,999 |
| Benefits paid out | $21,591,698 |
| Net assets, start / end of year | $139.3M / $151.1M |
| Active participants, start / end of year | 749 / 552 |
| Participants with account balances | 1,420 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | KBF Cpas - Audit, LLP |
| Employer stock held by plan | $497,652 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $84,573 reported compensation |
| Global Retirement Partners LLC | $49,999 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820102116NAL0005405888001, received 2025-08-20, EIN 87-0634302, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.