Employment Solutions Management, Inc. 401(k) Review & Grade
Employbridge 401(k) Plan
Farmers Branch, TXAdministrative, Support & Staffing Services2,294 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$996Employer $ per active participant
$3,062Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$81.3MNet plan assets, end of year
$47,052Average balance per account
Score breakdown
- Employer generosity30.5 / 5061th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 42th |
| Employee saving | 64th |
| Peers that auto-enroll | 27% |
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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 ($2,400 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Employment Solutions Management put in about $996 per active participant, more than the typical peer ($712). 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.
- 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 | $2,283,789 |
| Participant (employee) contributions | $7,024,647 |
| Other contributions (incl. rollovers in) | $1,825,564 |
| Administrative expenses paid from the plan | $229,706 |
| Contract administrator fees | $229,706 |
| Benefits paid out | $18,039,431 |
| Net assets, start / end of year | $79.0M / $81.3M |
| Active participants, start / end of year | 2,662 / 1,926 |
| Participants with account balances | 1,727 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Sikich CPA LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $229,706 reported compensation |
| Sikich, LLP | $21,700 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014124311NAL0003980928001, received 2025-10-14, EIN 27-2269356, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.