Epsilon Systems Solutions, Inc. 401(k) Review & Grade
Epsilon Systems Solutions, Inc. 401(k) Plan
San Diego, CAProfessional, Scientific & Technical Services1,014 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$669Employer $ per active participant
$3,029Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$44.3MNet plan assets, end of year
$63,587Average balance per account
Score breakdown
- Employer generosity7.8 / 5016th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score20 / 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 | 16th |
| Lower admin cost | 39th |
| Employee saving | 15th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $43,958 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Epsilon Systems Solutions put in about $669 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.
- 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 | $677,998 |
| Participant (employee) contributions | $3,071,681 |
| Other contributions (incl. rollovers in) | $430,870 |
| Administrative expenses paid from the plan | $131,134 |
| Contract administrator fees | $131,134 |
| Benefits paid out | $5,036,286 |
| Net assets, start / end of year | $39.9M / $44.3M |
| Active participants, start / end of year | 1,033 / 995 |
| Participants with account balances | 697 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $131,133 reported compensation |
| Ubs Financial Services Inc. | $51,250 reported compensation |
| Transition Finance Strategies, LLC | $18,802 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014191118NAL0003547153001, received 2025-10-14, EIN 52-2129453, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.