Eiif Management USA, Inc. 401(k) Review & Grade
The Eiif Management USA, Inc. Retirement Savings Plan
Springfield, MOProfessional, Scientific & Technical Services768 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,564Employer $ per active participant
$6,320Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$66.1MNet plan assets, end of year
$50,673Average balance per account
Score breakdown
- Employer generosity21.2 / 5042th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-13 pts2 issues reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 42th |
| Employee saving | 32th |
| Peers that auto-enroll | 48% |
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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 ($54,298 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $36,510 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Eiif Management USA put in about $2,564 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 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 | $1,970,345 |
| Participant (employee) contributions | $4,856,837 |
| Other contributions (incl. rollovers in) | $497,397 |
| Administrative expenses paid from the plan | $150,479 |
| Other admin expenses | $150,479 |
| Benefits paid out | $11,009,933 |
| Net assets, start / end of year | $38.4M / $66.1M |
| Active participants, start / end of year | 458 / 1,079 |
| Participants with account balances | 1,305 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Global Retirement Partners LLC | $50,675 reported compensation |
| RPW Solutions LLC | $39,353 reported compensation |
| Empower Advisory Group, LLC | $33,177 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015094657NAL0002099235001, received 2025-10-15, EIN 45-0582651, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.