Clarity Telecom, LLC DBA Bluepeak 401(k) Review & Grade
Clarity Telecom, LLC 401(k) Plan
Denver, COInformation516 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,964Employer $ per active participant
$5,079Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$20.4MNet plan assets, end of year
$24,780Average balance per account
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost12.0 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1523th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 48th |
| Employee saving | 23th |
| Peers that auto-enroll | 59% |
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
Corrective distributions: the plan refunded $161 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Clarity Telecom, LLC DBA Bluepeak put in about $1,964 per active participant, below the typical peer ($2,829). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $1,012,523 |
| Participant (employee) contributions | $2,618,063 |
| Other contributions (incl. rollovers in) | $206,975 |
| Administrative expenses paid from the plan | $44,726 |
| Investment advisory & management fees | $9,644 |
| Benefits paid out | $1,570,270 |
| Net assets, start / end of year | $16.1M / $20.4M |
| Active participants, start / end of year | 498 / 533 |
| Participants with account balances | 824 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kerber, Eck & Braeckel, LLP |
Largest service providers (Schedule C)
| Kerber, Eck & Braeckel LLP | $18,500 reported compensation |
| Transamerica Life Insurance Company | $16,582 reported compensation |
| Creative Planning LLC | $5,951 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003102112NAL0000784995001, received 2025-10-03, EIN 46-2667900, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.