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 reviews 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.
AI-assisted research. Licensed human advice.
48,000+
Texas plans indexed
Form 5500
Public DOL data
15 min · $0
Advisor call
01 · 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.
02 · Who we serve
Built for Texas businesses of every stripe.
From manufacturing plants to dental practices, we review plans across every industry that runs a 401(k).
Manufacturing & Industrial
Plants, distributors, supply chain
Construction & Trades
Builders, contractors, HVAC, plumbing
Healthcare & Dental
Practices, clinics, specialty care
Veterinary & Pet Care
Vet hospitals, boarding, grooming
Professional Services
Law firms, CPAs, consulting
Logistics & Transport
Trucking, last-mile, freight
Hospitality & Restaurants
Hotels, restaurant groups, hospitality
Technology & Research
Software, labs, R&D-heavy firms
03 · How it works
From company name to advisor call in under 10 minutes.
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Submit your company
Enter your company name or EIN. We pull your most recent Form 5500 from the public DOL dataset in seconds.
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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.
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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.
Why plan sponsors work with us
Public data, plain English, and a real advisor on the other end.
Form 5500 filings already tell most of the story a plan sponsor needs to hear — if you know how to read them. Our job is to read them for you and, where it matters, hand the conversation to someone licensed to act on it.
Built on public data
Every flag traces back to your plan’s own DOL Form 5500 filing — the same disclosure your TPA, auditor, and regulator already see.
No cost, no login, no pitch
The red-flag report is free. There’s no account to create and nothing to buy. If nothing is worth fixing, we’ll tell you that.
Licensed advisor follow-up
Plans with material red flags are referred to an unaffiliated, licensed Texas-based 401(k) advisor for a free 15-minute Zoom review.
04 · 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 18, 2024 · 8 min read
Employer Stock in Your 401(k): The Hidden Concentration Risk
When a meaningful share of your plan's assets sits in the sponsor's own stock, employees are exposed to a kind of risk most investment policies weren't designed to carry. Here's how it shows up on Form 5500 — and what ERISA says about it.
Read articleNovember 4, 2024 · 7 min read
Late 401(k) Form 5500 Filings: What It Means and Why DOL Cares
Form 5500 is due seven months after your plan year ends. Here's what happens when it isn't — the DOL penalties, the DFVCP program, and how to check if your own plan filed on time.
Read articleBuilt on public DOL data
Every number, sourced and verifiable.
We don't run models on proprietary data. Every flag on every plan traces back to a public Form 5500 filing — the same document your TPA, auditor, and the Department of Labor already have.
48,206
plans
Texas 401(k) plans indexed from DOL filings
$711B+
in assets
Reviewed across our dataset (Form 5500 total plan assets)
100%
public
Every finding sourced from Department of Labor filings
Ready 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.