Walter P Moore & Associates, Inc. 401(k) Review & Grade
Walter P Moore & Associates, Inc. 401(k) Profit Sharing Plan
Houston, TXProfessional, Scientific & Technical Services752 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,863Employer $ per active participant
$11,322Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$179.8MNet plan assets, end of year
$167,591Average balance per account
Score breakdown
- Employer generosity23.2 / 5046th percentile for employer $ per participant
- Low cost23.0 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 92th |
| Employee saving | 69th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,509 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Walter P Moore & Associates put in about $2,863 per active participant, below the typical peer ($3,082). 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 | $2,154,150 |
| Participant (employee) contributions | $8,520,017 |
| Other contributions (incl. rollovers in) | $4,052,948 |
| Administrative expenses paid from the plan | $54,244 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $27,707 |
| Other admin expenses | $63,750 |
| Benefits paid out | $10,648,815 |
| Net assets, start / end of year | $147.0M / $179.8M |
| Active participants, start / end of year | 665 / 840 |
| Participants with account balances | 1,073 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $27,706 reported compensation |
| Fidelity Inv Inst Oper Co., LLC | −$56,655 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015082502NAL0005522704001, received 2025-10-15, EIN 74-1554339, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.