Firetrol Protection Systems, Inc. 401(k) Review & Grade
Firetrol Protection Systems, Inc. 401(k) Savings Plan
Dallas, TXConstruction1,085 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,664Employer $ per active participant
$3,281Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$44.3MNet plan assets, end of year
$67,768Average balance per account
Score breakdown
- Employer generosity24.4 / 5049th percentile for employer $ per participant
- Low cost12.2 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 49th |
| Employee saving | 41th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Firetrol Protection Systems put in about $1,664 per active participant, below the typical peer ($1,672). 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 | $1,804,984 |
| Participant (employee) contributions | $3,559,390 |
| Other contributions (incl. rollovers in) | $403,220 |
| Administrative expenses paid from the plan | $96,061 |
| Other admin expenses | $27,559 |
| Benefits paid out | $2,395,604 |
| Net assets, start / end of year | $36.0M / $44.3M |
| Active participants, start / end of year | 1,016 / 1,154 |
| Participants with account balances | 654 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withum Smith+brown |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $83,577 reported compensation |
| Global Retirement Partners, LLC | $12,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250915173608NAL0000846515001, received 2025-09-15, EIN 87-0405034, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.