Clearwell Dynamics, LLC 401(k) Review & Grade
Clearwell Dynamics Retirement Plan
San Antonio, TXMining, Oil & Gas566 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,122Employer $ per active participant
$2,285Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$11.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.7 / 509th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score7 / 100 · Grade F
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 34th |
| Employee saving | 5th |
| Peers that auto-enroll | 60% |
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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 ($90,770 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
- Clearwell Dynamics put in about $1,122 per active participant, below the typical peer ($4,357). 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.
- Direct plan expenses (0.37% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $634,591 |
| Participant (employee) contributions | $1,292,326 |
| Other contributions (incl. rollovers in) | $66,238 |
| Administrative expenses paid from the plan | $41,697 |
| Investment advisory & management fees | $33,770 |
| Benefits paid out | $2,109,469 |
| Net assets, start / end of year | $10.9M / $11.9M |
| Active participants, start / end of year | 567 / 564 |
| Participants with account balances | 240 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Global Retirement Partners LLC | $26,950 reported compensation |
| Fidelity Investments Institutional | $7,927 reported compensation |
| Strategic Advisors, Inc. | $6,820 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015151625NAL0009992786001, received 2025-10-15, EIN 87-3816579, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.