The Arc Caddo-Bossier 401(k) Review & Grade
401(k) Profit Sharing Plan for Employees of the Arc Caddo-Bossier
Shreveport, LAOther Services798 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$115Employer $ per active participant
$220Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$3.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.7 / 5011th percentile for employer $ per participant
- Low cost18.6 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 155th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 74th |
| Employee saving | 5th |
| Peers that auto-enroll | 40% |
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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
- Arc Caddo-Bossier put in about $115 per active participant, below the typical peer ($1,257). 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.
- 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 | $91,872 |
| Participant (employee) contributions | $175,477 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $3,110 |
| Other admin expenses | $3,110 |
| Benefits paid out | $120,618 |
| Net assets, start / end of year | $2.9M / $3.4M |
| Active participants, start / end of year | 770 / 826 |
| Participants with account balances | 385 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Henry & Peters PC |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $5,293 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260212101708NAL0000036770001, received 2026-02-12, EIN 72-0482891, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.