Cydecor, Inc. 401(k) Review & Grade
Cydecor, Inc. 401(k) Plan
Arlington, VAProfessional, Scientific & Technical Services570 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,845Employer $ per active participant
$9,528Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$101.1MNet plan assets, end of year
$150,001Average balance per account
Score breakdown
- Employer generosity39.3 / 5079th percentile for employer $ per participant
- Low cost16.9 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 68th |
| Employee saving | 55th |
| 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
- Cydecor put in about $5,845 per active participant, more than the typical peer ($3,082). 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 | $3,334,485 |
| Participant (employee) contributions | $5,435,656 |
| Other contributions (incl. rollovers in) | $1,156,773 |
| Administrative expenses paid from the plan | $122,651 |
| Contract administrator fees | $122,651 |
| Benefits paid out | $9,034,519 |
| Net assets, start / end of year | $89.5M / $101.1M |
| Active participants, start / end of year | 591 / 550 |
| Participants with account balances | 674 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Citrin & Cooperman & Company, LLP |
Largest service providers (Schedule C)
| John Hancock | $196,168 reported compensation |
| Mma Securities | $33,000 reported compensation |
| Compass 360 LLC | $11,068 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015090857NAL0004146417001, received 2025-10-15, EIN 56-2086307, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.