John Staurulakis, LLC 401(k) Review & Grade
John Staurulakis LLC Cash Or Deferred Arrangement Profit Sharing Plan
Greenbelt, MDProfessional, Scientific & Technical Services526 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,512Employer $ per active participant
$5,578Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$62.6MNet plan assets, end of year
$96,707Average balance per account
Score breakdown
- Employer generosity38.4 / 5077th percentile for employer $ per participant
- Low cost11.9 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1528th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score54 / 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 | 77th |
| Lower admin cost | 48th |
| Employee saving | 28th |
| 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
- John Staurulakis put in about $5,512 per active participant, more than the typical peer ($3,082). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $2,902,033 |
| Participant (employee) contributions | $2,936,719 |
| Other contributions (incl. rollovers in) | $650,668 |
| Administrative expenses paid from the plan | $145,560 |
| Benefits paid out | $6,791,407 |
| Net assets, start / end of year | $55.6M / $62.6M |
| Active participants, start / end of year | 497 / 556 |
| Participants with account balances | 647 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Vanguard Retirement Services | $79,090 reported compensation |
| Global Retirement Partners | $45,388 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250904095432NAL0009963747001, received 2025-09-04, EIN 52-0880671, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.