Cooper Machinery Services, LLC 401(k) Review & Grade
Cooper Machinery Services, LLC 401(k) Plan
Houston, TXOther Services582 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,661Employer $ per active participant
$8,227Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$35.1MNet plan assets, end of year
$49,665Average balance per account
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost20.2 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 81th |
| Employee saving | 89th |
| Peers that auto-enroll | 40% |
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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
- Cooper Machinery Services put in about $4,661 per active participant, more than the typical peer ($1,257). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- 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 | $2,712,486 |
| Participant (employee) contributions | $4,788,161 |
| Other contributions (incl. rollovers in) | $648,573 |
| Administrative expenses paid from the plan | $23,300 |
| Contract administrator fees | $19,700 |
| Other admin expenses | $3,600 |
| Benefits paid out | $5,504,312 |
| Net assets, start / end of year | $28.6M / $35.1M |
| Active participants, start / end of year | 565 / 599 |
| Participants with account balances | 706 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ham, Langston and Brezina, LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $23,303 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250908150615NAL0041271650001, received 2025-09-08, EIN 46-5397496, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.