Willow Bridge E.c.w. LLC 401(k) Review & Grade
Willow Bridge 401(k) Plan
Dallas, TXReal Estate & Rental5,172 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$732Employer $ per active participant
$2,137Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$152.4MNet plan assets, end of year
$55,792Average balance per account
Score breakdown
- Employer generosity15.3 / 5031th percentile for employer $ per participant
- Low cost8.6 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 34th |
| Employee saving | 37th |
| Peers that auto-enroll | 46% |
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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 ($642,962 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
- Willow Bridge E.c.w. put in about $732 per active participant, below the typical peer ($1,141). 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 (0.20% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $3,783,337 |
| Participant (employee) contributions | $11,051,081 |
| Other contributions (incl. rollovers in) | $2,185,305 |
| Administrative expenses paid from the plan | $285,752 |
| Contract administrator fees | $260,842 |
| Benefits paid out | $14,899,915 |
| Net assets, start / end of year | $130.2M / $152.4M |
| Active participants, start / end of year | 4,990 / 5,354 |
| Participants with account balances | 2,731 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Whitley Penn LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $260,842 reported compensation |
| Whitley Penn LLP | $24,910 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250804120304NAL0000723283001, received 2025-08-04, EIN 75-1979005, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.