Intouchcx US, Inc. 401(k) Review & Grade
Intouchcx US 401(k) Plan
Mesa, AZAdministrative, Support & Staffing Services1,164 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$345Employer $ per active participant
$583Employee $ saved per active participant
1.15%Direct admin cost, % of plan assets
$4.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity18.3 / 5036th percentile for employer $ per participant
- Low cost1.2 / 255th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 5th |
| Employee saving | 22th |
| Peers that auto-enroll | 27% |
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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
- Intouchcx US put in about $345 per active participant, below the typical peer ($712). 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.
- Direct plan expenses (1.15% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $401,511 |
| Participant (employee) contributions | $679,196 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $41,794 |
| Contract administrator fees | $25,879 |
| Investment advisory & management fees | $8,899 |
| Benefits paid out | $676,525 |
| Net assets, start / end of year | $3.2M / $4.0M |
| Active participants, start / end of year | 1,346 / 983 |
| Participants with account balances | 209 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Metz CPA, PLLC |
Largest service providers (Schedule C)
| The Finway Group LLC | $25,879 reported compensation |
| Empower Annuity Insurance Company | $21,126 reported compensation |
| Gallagher Benefit Services | $8,899 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250602090939NAL0017486832001, received 2025-06-02, EIN 45-2572910, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.