Gid Investment Advisers LLC 401(k) Review & Grade
Gid Investment Advisers Savings & Retirement Plan
Boston, MAReal Estate & Rental1,240 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,733Employer $ per active participant
$8,313Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$139.3MNet plan assets, end of year
$84,045Average balance per account
Score breakdown
- Employer generosity39.3 / 5079th percentile for employer $ per participant
- Low cost14.3 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 57th |
| Employee saving | 89th |
| Peers that auto-enroll | 47% |
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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 ($317 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
- Gid Investment Advisers put in about $2,733 per active participant, more than the typical peer ($1,279). 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.
- 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 | $3,389,107 |
| Participant (employee) contributions | $10,308,538 |
| Other contributions (incl. rollovers in) | $2,614,671 |
| Administrative expenses paid from the plan | $237,722 |
| Contract administrator fees | $237,722 |
| Benefits paid out | $16,302,688 |
| Net assets, start / end of year | $122.6M / $139.3M |
| Active participants, start / end of year | 1,241 / 1,239 |
| Participants with account balances | 1,657 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Britt & Company CPA, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $230,130 reported compensation |
| Mma Securities, LLC | $39,000 reported compensation |
| Britt and Company CPA LLC | $14,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251218144914NAL0008417088001, received 2025-12-18, EIN 80-0081966, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.