Fee ratio vs peer benchmark
We flag plans where admin + investment fees exceed ~0.75% of assets — and show how that compares to plans of similar size.
Sourced from public DOL Form 5500 filings
Free 401(k) Plan Health Check for Texas Businesses.
We scan your plan's public DOL filing for the red flags that quietly cost your employees money — high fees, missing audits, low participation, concentrated positions — and connect qualifying plans with a licensed Texas advisor for a free 15-minute review. No cost, no sales pitch.
48,000+
Texas plans indexed
Form 5500
Public DOL data
15 min · $0
Advisor call
What we check
Six things worth knowing about any 401(k).
None of these require a login, an invoice, or a vendor conversation. They all show up on the Form 5500 your plan is already filing publicly every year.
Participation rate
Low participation is usually a plan-design issue, not an engagement one. We surface it so your advisor can propose fixes.
Late filings & missed deadlines
Form 5500 is due seven months after plan year-end. We highlight filings that ran past the extended deadline.
Missing audit for 100+ participant plans
ERISA §103(a)(3) requires an independent audit on large plans. We check whether the IQPA opinion is on file.
Employer stock concentration
We flag plans where a meaningful share of participant assets sits in the sponsoring employer's own stock.
Fund lineup & provider structure
Revenue-sharing share classes, proprietary funds, and stale lineups all show up clearly in a Form 5500 if you know where to look.
How it works
From company name to advisor call in under 10 minutes.
- Step 01
Submit your company
Enter your company name or EIN. We pull your most recent Form 5500 from the public DOL dataset in seconds.
- Step 02
Get your free review
We analyze your plan for the red flags that matter most — fees, participation, audit, concentration — and send a plain-English report.
- Step 03
15-minute advisor call
If the report surfaces something worth discussing, we connect you with a licensed Texas-based 401(k) advisor for a free 15-minute Zoom.
In their own words
What sponsors tell us after the review.
The red-flag report surfaced two things our TPA hadn't mentioned in years. The 15-minute advisor call paid for itself many times over.
HR Director
Central Texas manufacturer, ~180 employees
I've been running this plan for eleven years and never pulled my own 5500. Taking ten minutes with their tool changed that.
Owner / CFO
Houston professional services firm
Straightforward, no pitch. The advisor they connected us with benchmarked our fees and walked us through the options.
Plan Trustee
DFW logistics company
From the blog
Plain-English research, for sponsors.
November 21, 2024 · 9 min read
How to Read Your Form 5500 Like a Pro
A guided tour of the Form 5500 and its schedules — where the fees hide, what the audit opinion really tells you, and how to spot a plan that needs attention in under five minutes.
Read articleNovember 4, 2024 · 7 min read
Why Texas Businesses Are Overpaying Their 401(k) Provider
Texas SMB 401(k) plans often pay 2-3x the fees of their larger peers — not because of bad intentions, but because the market is quietly structured to make that happen. Here's how to fight back.
Read articleOctober 14, 2024 · 8 min read
The 5 Most Common 401(k) Red Flags in DOL Filings
A plain-English guide to the five issues we see most often in Texas 401(k) Form 5500 filings — and what each one actually means for employees.
Read articleReady to see your plan's red flags?
Free review. Public data. No login, no sales pitch. If there's nothing worth fixing, we'll tell you that.