Moody National Management, LP 401(k) Review & Grade
Moody National Management, LP 401(k) Plan
Houston, TXReal Estate & Rental712 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$537Employer $ per active participant
$1,095Employee $ saved per active participant
0.90%Direct admin cost, % of plan assets
$11.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity11.4 / 5023th percentile for employer $ per participant
- Low cost2.0 / 258th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 8th |
| Employee saving | 11th |
| Peers that auto-enroll | 47% |
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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
- Moody National Management, LP put in about $537 per active participant, below the typical peer ($1,279). 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 (0.90% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $382,340 |
| Participant (employee) contributions | $778,990 |
| Other contributions (incl. rollovers in) | $25,992 |
| Administrative expenses paid from the plan | $97,944 |
| Contract administrator fees | $97,944 |
| Benefits paid out | $574,893 |
| Net assets, start / end of year | $10.0M / $11.7M |
| Active participants, start / end of year | 704 / 719 |
| Participants with account balances | 183 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Weaver and Tidwell, L.L.P. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $97,943 reported compensation |
| Alliant Insurance Services, Inc. | $50,510 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909144047NAL0020355249001, received 2025-09-09, EIN 20-0209885, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.