Camden Development Inc. 401(k) Review & Grade
Camden Development, Inc. 401(k) Plan and Trust
Houston, TXReal Estate & Rental1,592 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,129Employer $ per active participant
$6,515Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$195.4MNet plan assets, end of year
$89,118Average balance per account
Score breakdown
- Employer generosity35.7 / 5071th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving12.0 / 1580th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 96th |
| Employee saving | 80th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Camden Development put in about $2,129 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.
- 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 | $3,388,957 |
| Participant (employee) contributions | $10,368,932 |
| Other contributions (incl. rollovers in) | $352,659 |
| Administrative expenses paid from the plan | $29,381 |
| Investment advisory & management fees | $45,653 |
| Benefits paid out | $19,366,303 |
| Net assets, start / end of year | $175.6M / $195.4M |
| Active participants, start / end of year | 1,489 / 1,694 |
| Participants with account balances | 2,193 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith Brown, PC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $45,653 reported compensation |
| Fidelity Investments Institutional | −$16,092 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001115251NAL0014213488001, received 2025-10-01, EIN 76-0417730, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.