Hunt Valley Holdings LLC 401(k) Review & Grade
Fundamental Retirement Savings Plan
Sparks, MDHealth Care & Social Assistance8,355 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$10Employer $ per active participant
$1,645Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$122.5MNet plan assets, end of year
$13,510Average balance per account
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost3.8 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score25 / 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 | 11th |
| Lower admin cost | 15th |
| Employee saving | 38th |
| Peers that auto-enroll | 38% |
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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
- Hunt Valley Holdings put in about $10 per active participant, below the typical peer ($800). 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 (0.43% 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 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 | $82,285 |
| Participant (employee) contributions | $13,744,251 |
| Other contributions (incl. rollovers in) | $722,908 |
| Administrative expenses paid from the plan | $502,484 |
| Other admin expenses | $502,484 |
| Benefits paid out | $16,480,064 |
| Net assets, start / end of year | $111.5M / $122.5M |
| Active participants, start / end of year | 8,194 / 8,516 |
| Participants with account balances | 9,065 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Windham Brannon,llc |
Largest service providers (Schedule C)
| Fidelity Investments Institutional, | $282,320 reported compensation |
| Harbor Investment Advisory LLC | $180,000 reported compensation |
| Windham Brannon | $20,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014065147NAL0002230577002, received 2025-10-14, EIN 20-4005037, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.