Gavin De Becker & Associates, L.P 401(k) Review & Grade
Gavin De Becker & Associates, L.P 401(k) Plan
San Antonio, TXAdministrative, Support & Staffing Services592 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$456Employer $ per active participant
$5,327Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$35.3MNet plan assets, end of year
$48,877Average balance per account
Score breakdown
- Employer generosity21.3 / 5042th percentile for employer $ per participant
- Low cost11.1 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 44th |
| Employee saving | 79th |
| Peers that auto-enroll | 27% |
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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
- Gavin De Becker & Associates, L.P put in about $456 per active participant, below the typical peer ($712). 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.
- 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 | $269,541 |
| Participant (employee) contributions | $3,150,740 |
| Other contributions (incl. rollovers in) | $54,055 |
| Administrative expenses paid from the plan | $90,792 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $65,965 |
| Benefits paid out | $4,169,087 |
| Net assets, start / end of year | $31.6M / $35.3M |
| Active participants, start / end of year | 561 / 622 |
| Participants with account balances | 722 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse, Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Morgan Stanley Global Banking | $39,044 reported compensation |
| Strategic Advisors, Inc. | $26,921 reported compensation |
| Fidelity Investments Institutional | $13,902 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250804151319NAL0001311424001, received 2025-08-04, EIN 95-4609845, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.