Beyond New Horizons, LLC 401(k) Review & Grade
Beyond New Horizons, LLC Wage Employees Retirement Savings Plan
Arnold Afb, TNProfessional, Scientific & Technical Services656 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,493Employer $ per active participant
$9,413Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$114.3MNet plan assets, end of year
$146,014Average balance per account
Score breakdown
- Employer generosity38.3 / 5077th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving8.0 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 73th |
| Employee saving | 53th |
| Peers that auto-enroll | 48% |
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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 ($1,520,276 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Beyond New Horizons put in about $5,493 per active participant, more than the typical peer ($3,082). 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.
- 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 | $3,600,353 |
| Participant (employee) contributions | $6,170,188 |
| Other contributions (incl. rollovers in) | $4,535,626 |
| Administrative expenses paid from the plan | $111,433 |
| Other admin expenses | $111,433 |
| Benefits paid out | $10,537,923 |
| Net assets, start / end of year | $99.3M / $114.3M |
| Active participants, start / end of year | 590 / 721 |
| Participants with account balances | 783 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mcconnell & Jones LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $69,121 reported compensation |
| Vanguard Advisers Inc. | $21,488 reported compensation |
| Mcconnell & Jones LLP | $13,444 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260714160820NAL0001347187001, received 2026-07-14, EIN 92-3715267, plan #333, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.