Hok Group, Inc. 401(k) Review & Grade
Hok Group, Inc. 401(k) Profit Sharing Plan
ST. Louis, MOProfessional, Scientific & Technical Services1,398 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,309Employer $ per active participant
$12,063Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$361.8MNet plan assets, end of year
$145,086Average balance per account
Score breakdown
- Employer generosity27.0 / 5054th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 79th |
| Employee saving | 74th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,153 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Hok Group put in about $3,309 per active participant, more than the typical peer ($3,082). 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.
- 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 | $4,626,087 |
| Participant (employee) contributions | $16,864,376 |
| Other contributions (incl. rollovers in) | $4,618,134 |
| Administrative expenses paid from the plan | $272,208 |
| Investment advisory & management fees | $144,286 |
| Benefits paid out | $20,745,515 |
| Net assets, start / end of year | $309.8M / $361.8M |
| Active participants, start / end of year | 1,382 / 1,414 |
| Participants with account balances | 2,494 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $184,841 reported compensation |
| Fisher Investments | $26,093 reported compensation |
| Modera Wealth Management LLC | $18,270 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251029092527NAL0000560083001, received 2025-10-29, EIN 43-1205826, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.