Calibre Systems, Inc. 401(k) Review & Grade
Calibre Systems, Inc. Profit Sharing Plan
Alexandria, VAProfessional, Scientific & Technical Services614 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,735Employer $ per active participant
$6,882Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$114.7MNet plan assets, end of year
$118,866Average balance per account
Score breakdown
- Employer generosity15.2 / 5030th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 61th |
| Employee saving | 35th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Calibre Systems put in about $1,735 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 | $1,064,624 |
| Participant (employee) contributions | $4,222,407 |
| Other contributions (incl. rollovers in) | $1,135,978 |
| Administrative expenses paid from the plan | $177,562 |
| Contract administrator fees | $177,562 |
| Benefits paid out | $13,268,463 |
| Net assets, start / end of year | $107.2M / $114.7M |
| Active participants, start / end of year | 628 / 599 |
| Participants with account balances | 965 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $178,455 reported compensation |
| Creative Planning | $42,279 reported compensation |
| Creative Planning, LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007085026NAL0002523763001, received 2025-10-07, EIN 52-1602142, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.