Family Endeavors, Inc. DBA Endeavors 401(k) Review & Grade
Family Endeavors 401(k) Plan
San Antonio, TXHealth Care & Social Assistance2,698 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$838Employer $ per active participant
$1,202Employee $ saved per active participant
1.55%Direct admin cost, % of plan assets
$18.1MNet plan assets, end of year
$6,081Average balance per account
Score breakdown
- Employer generosity25.7 / 5051th percentile for employer $ per participant
- Low cost0.5 / 252th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 2th |
| Employee saving | 30th |
| Peers that auto-enroll | 38% |
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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 ($1,972 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
- Family Endeavors, Inc. DBA Endeavors put in about $838 per active participant, more than the typical peer ($800). 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.
- Direct plan expenses (1.55% of assets) are well above similar-size plans (0.12%). 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 | $2,259,639 |
| Participant (employee) contributions | $3,241,688 |
| Other contributions (incl. rollovers in) | $607,258 |
| Administrative expenses paid from the plan | $240,570 |
| Contract administrator fees | $111,074 |
| Benefits paid out | $2,367,400 |
| Net assets, start / end of year | $13.0M / $18.1M |
| Active participants, start / end of year | 2,627 / 2,769 |
| Participants with account balances | 2,984 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Coulter & Justus |
Largest service providers (Schedule C)
| Transamerica Financial Life Ins | $129,496 reported compensation |
| Admin. Group, LLC DBA Tag Resources | $111,074 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014073326NAL0001077939001, received 2025-10-14, EIN 23-7223078, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.