Hntb Holdings LTD. 401(k) Review & Grade
Hntb Ownership Plan
Kansas City, MOProfessional, Scientific & Technical Services6,611 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,464Employer $ per active participant
$5,643Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$2.2BNet plan assets, end of year
$263,453Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 82th |
| Employee saving | 30th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $7,022 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Hntb Holdings put in about $2,464 per active participant, below the typical peer ($2,951). 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 | $16,287,944 |
| Participant (employee) contributions | $37,305,078 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $826,978 |
| Contract administrator fees | $1,950 |
| Investment advisory & management fees | $657,396 |
| Benefits paid out | $94,227,900 |
| Net assets, start / end of year | $1.7B / $2.2B |
| Active participants, start / end of year | 6,341 / 6,881 |
| Participants with account balances | 8,265 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pickett,chaney & Mcmullen LLP |
| Employer stock held by plan | $1,679,564,446 |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $231,389 reported compensation |
| State Street Bank and Trust Company | $230,000 reported compensation |
| Stout Intermediate Holdings L | $176,341 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929154827NAL0005119923001, received 2025-09-29, EIN 56-2422024, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.