Gordon Rees Scully Mansukhani, LLP 401(k) Review & Grade
Gordon Rees Scully Mansukhani, LLP 401(k) Retirement Plan
Walnut Creek, CAProfessional, Scientific & Technical Services2,662 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,151Employer $ per active participant
$8,085Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$449.5MNet plan assets, end of year
$188,639Average balance per account
Score breakdown
- Employer generosity33.5 / 5067th percentile for employer $ per participant
- Low cost18.9 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 76th |
| Employee saving | 44th |
| 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 ($2,124 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $6,202 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Gordon Rees Scully Mansukhani, LLP put in about $4,151 per active participant, more than the typical peer ($2,951). 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 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 | $11,049,039 |
| Participant (employee) contributions | $21,517,142 |
| Other contributions (incl. rollovers in) | $12,360,449 |
| Administrative expenses paid from the plan | $230,744 |
| Investment advisory & management fees | $184,695 |
| Benefits paid out | $38,992,135 |
| Net assets, start / end of year | $384.7M / $449.5M |
| Active participants, start / end of year | 2,492 / 2,831 |
| Participants with account balances | 2,383 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $99,564 reported compensation |
| Aspiriant LLC | $36,070 reported compensation |
| Global Retirement Partners LLC | $28,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014163611NAL0004541344002, received 2025-10-14, EIN 94-1617026, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.