International Sos Assistance, Inc 401(k) Review & Grade
International Sos and the International Sos Group of Companies 401(k) Plan
Trevose, PAProfessional, Scientific & Technical Services1,006 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,706Employer $ per active participant
$5,592Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$93.8MNet plan assets, end of year
$80,882Average balance per account
Score breakdown
- Employer generosity15.0 / 5030th percentile for employer $ per participant
- Low cost21.6 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score41 / 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 | 30th |
| Lower admin cost | 87th |
| Employee saving | 28th |
| Peers that auto-enroll | 48% |
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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 ($1,333 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
- International Sos Assistance put in about $1,706 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.
- 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 | $1,716,720 |
| Participant (employee) contributions | $5,625,131 |
| Other contributions (incl. rollovers in) | $1,043,524 |
| Administrative expenses paid from the plan | $45,509 |
| Benefits paid out | $7,480,137 |
| Net assets, start / end of year | $79.2M / $93.8M |
| Active participants, start / end of year | 1,000 / 1,012 |
| Participants with account balances | 1,160 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Belfint Lyons Shuman |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $42,899 reported compensation |
| Empower Annuity Insurance Company | $75 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015125455NAL0006319872001, received 2025-10-15, EIN 91-1501877, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.