HTC Global Services, Inc. 401(k) Review & Grade
HTC Global Services, Inc. Savings Incentive Plan
Troy, MIProfessional, Scientific & Technical Services1,616 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$679Employer $ per active participant
$7,034Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$201.1MNet plan assets, end of year
$81,879Average balance per account
Score breakdown
- Employer generosity7.9 / 5016th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving5.3 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 16th |
| Lower admin cost | 98th |
| Employee saving | 35th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $20,388 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- HTC Global Services put in about $679 per active participant, below the typical peer ($3,082). 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 | $1,097,719 |
| Participant (employee) contributions | $11,370,053 |
| Other contributions (incl. rollovers in) | $1,200,140 |
| Administrative expenses paid from the plan | $15,388 |
| Investment advisory & management fees | $33,681 |
| Benefits paid out | $17,908,647 |
| Net assets, start / end of year | $176.8M / $201.1M |
| Active participants, start / end of year | 1,591 / 1,642 |
| Participants with account balances | 2,456 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | NPD Group CPA, P.C. |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $33,681 reported compensation |
| NPD Group Certified Public Account | $31,993 reported compensation |
| Fidelity Investments Institutional | −$41,195 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013143716NAL0003293538001, received 2025-10-13, EIN 38-3056583, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.