Oldcastle Building Envelope, Inc. 401(k) Review & Grade
Oldcastle Building Envelope 401(k) Plan
Dallas, TXProfessional, Scientific & Technical Services5,859 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,751Employer $ per active participant
$3,985Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$332.5MNet plan assets, end of year
$51,848Average balance per account
Score breakdown
- Employer generosity23.7 / 5047th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 54th |
| Employee saving | 22th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,101,824 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,543 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Oldcastle Building Envelope put in about $2,751 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $16,120,803 |
| Participant (employee) contributions | $23,349,042 |
| Other contributions (incl. rollovers in) | $1,638,326 |
| Administrative expenses paid from the plan | $344,701 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $66,115 |
| Benefits paid out | $46,509,071 |
| Net assets, start / end of year | $291.4M / $332.5M |
| Active participants, start / end of year | 5,885 / 5,833 |
| Participants with account balances | 6,413 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Torrillo & Associates LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $278,586 reported compensation |
| Strategic Advisors, Inc. | $66,115 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010161426NAL0008457393001, received 2025-10-10, EIN 75-2196684, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.