Tri Pointe Homes Holdings, Inc. 401(k) Review & Grade
Tri Pointe Group 401(k) Profit Sharing Plan
Irvine, CAConstruction1,526 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,847Employer $ per active participant
$11,219Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$191.1MNet plan assets, end of year
$84,229Average balance per account
Score breakdown
- Employer generosity42.0 / 5084th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving14.5 / 1596th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 51th |
| Employee saving | 96th |
| Peers that auto-enroll | 44% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($6,656 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Tri Pointe Homes Holdings put in about $3,847 per active participant, more than the typical peer ($1,672). 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 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 | $5,870,659 |
| Participant (employee) contributions | $17,120,704 |
| Other contributions (incl. rollovers in) | $4,701,774 |
| Administrative expenses paid from the plan | $381,695 |
| Other admin expenses | $381,695 |
| Benefits paid out | $11,772,221 |
| Net assets, start / end of year | $153.9M / $191.1M |
| Active participants, start / end of year | 1,410 / 1,642 |
| Participants with account balances | 2,269 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Windes, Inc. |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $204,274 reported compensation |
| Sageview Advisory Group, LLC | $90,000 reported compensation |
| Vanguard Advisers Inc. | $48,245 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009184812NAL0011551216001, received 2025-10-09, EIN 27-3201111, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.