Geosyntec Consultants, Inc 401(k) Review & Grade
Geosyntec Consultants, Inc. and Subsidiaries 401(k) Retirement Plan
Boca Raton, FLProfessional, Scientific & Technical Services1,960 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,121Employer $ per active participant
$12,949Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$455.4MNet plan assets, end of year
$184,763Average balance per account
Score breakdown
- Employer generosity32.6 / 5065th percentile for employer $ per participant
- Low cost20.2 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving12.0 / 1580th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 81th |
| Employee saving | 80th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,313 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Geosyntec Consultants put in about $4,121 per active participant, more than the typical peer ($3,082). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $8,077,423 |
| Participant (employee) contributions | $25,380,863 |
| Other contributions (incl. rollovers in) | $12,531,837 |
| Administrative expenses paid from the plan | $299,434 |
| Contract administrator fees | $213,647 |
| Investment advisory & management fees | $85,787 |
| Benefits paid out | $36,237,142 |
| Net assets, start / end of year | $372.2M / $455.4M |
| Active participants, start / end of year | 1,838 / 2,082 |
| Participants with account balances | 2,465 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eisneramper |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $215,157 reported compensation |
| Usi Advisors, Inc. | $85,897 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251229140724NAL0009807203001, received 2025-12-29, EIN 59-2355134, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.