Improving Corporate Services, LLC 401(k) Review & Grade
Improving 401(k) Plan
Plano, TXProfessional, Scientific & Technical Services546 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,716Employer $ per active participant
$12,086Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$96.2MNet plan assets, end of year
$111,076Average balance per account
Score breakdown
- Employer generosity22.3 / 5045th percentile for employer $ per participant
- Low cost18.1 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 72th |
| Employee saving | 74th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Improving Corporate Services put in about $2,716 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 | $1,484,128 |
| Participant (employee) contributions | $6,605,041 |
| Other contributions (incl. rollovers in) | $889,656 |
| Administrative expenses paid from the plan | $97,432 |
| Investment advisory & management fees | $12,667 |
| Other admin expenses | $7,385 |
| Benefits paid out | $9,391,657 |
| Net assets, start / end of year | $84.8M / $96.2M |
| Active participants, start / end of year | 566 / 527 |
| Participants with account balances | 866 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $77,380 reported compensation |
| Cota Street Investment Management | $12,667 reported compensation |
| Definiti LLC | $7,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010140835NAL0018783842001, received 2025-10-10, EIN 85-3771438, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.