GCC Mso Holdings, LLC 401(k) Review & Grade
GCC Mso Holdings, LLC 401(k) Plan
Rochester Hills, MIAgriculture, Forestry, Fishing & Hunting558 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,113Employer $ per active participant
$1,407Employee $ saved per active participant
2.88%Direct admin cost, % of plan assets
$2.5MNet plan assets, end of year
$3,031Average balance per account
Score breakdown
- Employer generosity27.8 / 5056th percentile for employer $ per participant
- Low cost0.1 / 251th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 1th |
| Employee saving | 39th |
| Peers that auto-enroll | 36% |
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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 ($45,025 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
- GCC Mso Holdings put in about $1,113 per active participant, more than the typical peer ($774). 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.
- Direct plan expenses (2.88% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $621,730 |
| Participant (employee) contributions | $785,791 |
| Other contributions (incl. rollovers in) | $1,357 |
| Administrative expenses paid from the plan | $55,521 |
| Investment advisory & management fees | $15,638 |
| Benefits paid out | $316,661 |
| Net assets, start / end of year | $1.3M / $2.5M |
| Active participants, start / end of year | 592 / 525 |
| Participants with account balances | 837 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Uhy LLP |
Largest service providers (Schedule C)
| Leading Retirement Solutions | $37,336 reported compensation |
| Capital Asset Advisory Services, LL | $15,638 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251020113819NAL0001054848001, received 2025-10-20, EIN 92-2248074, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.