Document Technologies, LLC 401(k) Review & Grade
Epiq 401(k) Retirement Plan
Atlanta, GAProfessional, Scientific & Technical Services7,152 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$902Employer $ per active participant
$3,950Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$318.7MNet plan assets, end of year
$72,164Average balance per account
Score breakdown
- Employer generosity10.0 / 5020th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score13 / 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 | 20th |
| Lower admin cost | 37th |
| Employee saving | 21th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $1,170,756 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Document Technologies put in about $902 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 (0.19% 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.
- 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 | $6,454,954 |
| Participant (employee) contributions | $28,255,820 |
| Other contributions (incl. rollovers in) | $6,803,857 |
| Administrative expenses paid from the plan | $543,967 |
| Investment advisory & management fees | $174,277 |
| Benefits paid out | $26,116,096 |
| Net assets, start / end of year | $266.5M / $318.7M |
| Active participants, start / end of year | 7,007 / 7,298 |
| Participants with account balances | 4,417 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Carr, Riggs, & Ingram |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $316,889 reported compensation |
| Strategic Advisors, Inc. | $105,918 reported compensation |
| Creative Planning LLC | $68,359 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007124617NAL0002682835001, received 2025-10-07, EIN 58-2413793, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.