1 critical issue
Bechtel Global Corporation
80-0848899· Glendale, AZ· Empower· 2025 filing· vs 12 plans your size
C
0/100
Overall grade
Middle of the pack, with clear ways to do better.
C
Fees
A
Financial Wellness
F
Plan design
D
Compliance
Fees
Your plan pays around 7 bps of assets per year. Similar plans pay around 10 bps. Your plan is a bit cheaper than most similar plans.
cheaper40th percentilepricier
Financial Wellness
Strong savings. Employees put away $14,583/employee a year. That's more than 94% of similar plans.
lower94th percentilehigher
Plan design
Good base, but no automatic enrollment. That's the top thing to add.
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health
1 critical issue on the latest filing. These need attention.
Failed IRS fairness test
The plan failed its annual IRS fairness test and had to refund contributions to higher-paid employees. A safe harbor design eliminates this problem entirely.
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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Key insights
- Strongest area: financial wellness. Strong savings. Employees put away $14,583/employee a year. That's more than 94% of similar plans.
- Best place to improve: plan design. Good base, but no automatic enrollment. That's the top thing to add.
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