Bgis Global Integrated Solutions US, LLC 401(k) Review & Grade
Bgis Global Integrated Solutions US, LLC 401(k) Plan
Real Estate & Rental1,034 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,702Employer $ per active participant
$4,764Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$47.2MNet plan assets, end of year
$28,414Average balance per account
Score breakdown
- Employer generosity31.4 / 5063th percentile for employer $ per participant
- Low cost16.2 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 65th |
| Employee saving | 64th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($101,468 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
- Bgis Global Integrated Solutions US put in about $1,702 per active participant, more than the typical peer ($1,279). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,759,096 |
| Participant (employee) contributions | $4,923,741 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $63,172 |
| Contract administrator fees | $28,293 |
| Other admin expenses | $34,879 |
| Benefits paid out | $7,526,834 |
| Net assets, start / end of year | $41.5M / $47.2M |
| Active participants, start / end of year | 1,110 / 957 |
| Participants with account balances | 1,660 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| John Hancock Life Ins Company of Ny | $20,122 reported compensation |
| Principal Life Insurance Company | $8,341 reported compensation |
| Creative Planning, LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015184813NAL0005658545001, received 2025-10-15, EIN 81-1765198, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.