BSC Administration LLC 401(k) Review & Grade
Endurance Lift Holdings 401(k) Plan
Gainesville, TXWholesale Trade690 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,262Employer $ per active participant
$4,015Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$21.8MNet plan assets, end of year
$48,494Average balance per account
Score breakdown
- Employer generosity30.3 / 5061th percentile for employer $ per participant
- Low cost20.4 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 82th |
| Employee saving | 39th |
| Peers that auto-enroll | 53% |
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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
- BSC Administration put in about $2,262 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.
- 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 | $1,560,582 |
| Participant (employee) contributions | $2,770,073 |
| Other contributions (incl. rollovers in) | $464,755 |
| Administrative expenses paid from the plan | $13,431 |
| Contract administrator fees | $300 |
| Benefits paid out | $2,461,329 |
| Net assets, start / end of year | $17.0M / $21.8M |
| Active participants, start / end of year | 574 / 806 |
| Participants with account balances | 449 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmith Brown, PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $13,431 reported compensation |
| Kestra Investment Services LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250915143757NAL0000753523001, received 2025-09-15, EIN 45-3805735, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.