Insulation Specialists of Tulsa Inc 401(k) Review & Grade
Isti Plant Services 401(k) Retirement Plan
Tulsa, OKConstruction888 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$740Employer $ per active participant
$1,494Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$13.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity12.0 / 5024th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving2.1 / 1514th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 74th |
| Employee saving | 14th |
| Peers that auto-enroll | 44% |
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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
- Insulation Specialists of Tulsa put in about $740 per active participant, below the typical peer ($1,672). 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 | $656,451 |
| Participant (employee) contributions | $1,326,160 |
| Other contributions (incl. rollovers in) | $58,480 |
| Administrative expenses paid from the plan | $12,589 |
| Contract administrator fees | $3,330 |
| Investment advisory & management fees | $8,759 |
| Other admin expenses | $500 |
| Benefits paid out | $1,938,929 |
| Net assets, start / end of year | $11.5M / $13.2M |
| Active participants, start / end of year | 848 / 927 |
| Participants with account balances | 293 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly |
Largest service providers (Schedule C)
| Voya Retirement Advisors, LLC | $8,753 reported compensation |
| Morningstar | $1,912 reported compensation |
| Voya Ret Ins and Ann Co | $1 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015191733NAL0007148864001, received 2025-10-15, EIN 73-1513570, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.