Kentech Technical Services LLC 401(k) Review & Grade
Kent US 401(k) Retirement Savings Plan
Houston, TXConstruction651 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,238Employer $ per active participant
$10,404Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$108.9MNet plan assets, end of year
$116,335Average balance per account
Score breakdown
- Employer generosity45.8 / 5092th percentile for employer $ per participant
- Low cost18.0 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-8 pts2 issues reported on the filing
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 72th |
| Employee saving | 95th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
Corrective distributions: the plan refunded $160,066 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kentech Technical Services put in about $6,238 per active participant, more than the typical peer ($1,672). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $4,061,150 |
| Participant (employee) contributions | $6,772,807 |
| Other contributions (incl. rollovers in) | $1,986,395 |
| Administrative expenses paid from the plan | $114,646 |
| Other admin expenses | $114,646 |
| Benefits paid out | $17,467,997 |
| Net assets, start / end of year | $101.2M / $108.9M |
| Active participants, start / end of year | 601 / 701 |
| Participants with account balances | 936 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller Kaplan Arase LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $75,578 reported compensation |
| Miller Kaplan Arase, LLP | $27,200 reported compensation |
| Vanguard Advisers Inc. | $16,968 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015135038NAL0002397187001, received 2025-10-15, EIN 76-0714842, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.