Digital Intelligence Systems, LLC 401(k) Review & Grade
Disys 401(k) Plan
Mclean, VAProfessional, Scientific & Technical Services5,984 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$384Employer $ per active participant
$3,140Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$135.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity7.4 / 5015th percentile for employer $ per participant
- Low cost5.5 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score5 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 15th |
| Lower admin cost | 22th |
| Employee saving | 17th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($726,335 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $485,735 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Digital Intelligence Systems put in about $384 per active participant, below the typical peer ($2,951). 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.
- Direct plan expenses (0.31% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,297,337 |
| Participant (employee) contributions | $18,788,465 |
| Other contributions (incl. rollovers in) | $6,249,628 |
| Administrative expenses paid from the plan | $393,432 |
| Contract administrator fees | $393,432 |
| Benefits paid out | $28,139,960 |
| Net assets, start / end of year | $119.0M / $135.5M |
| Active participants, start / end of year | 6,159 / 5,809 |
| Participants with account balances | 2,953 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $393,431 reported compensation |
| Wells Fargo Clearing Services LLC | $125,501 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014123623NAL0001386691001, received 2025-10-14, EIN 45-5636447, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.