KPC Global Management, LLC 401(k) Review & Grade
KPC Global 401(k) Plan
Santa Ana, CAHealth Care & Social Assistance7,092 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$832Employer $ per active participant
$2,945Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$298.3MNet plan assets, end of year
$56,927Average balance per account
Score breakdown
- Employer generosity25.4 / 5051th percentile for employer $ per participant
- Low cost7.1 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 29th |
| Employee saving | 51th |
| Peers that auto-enroll | 38% |
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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 ($589,874 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $273,911 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- KPC Global Management put in about $832 per active participant, more than the typical peer ($800). 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.
- Direct plan expenses (0.25% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $5,898,815 |
| Participant (employee) contributions | $20,886,981 |
| Other contributions (incl. rollovers in) | $7,180,723 |
| Administrative expenses paid from the plan | $694,732 |
| Contract administrator fees | $536,130 |
| Investment advisory & management fees | $141,202 |
| Other admin expenses | $17,400 |
| Benefits paid out | $34,540,330 |
| Net assets, start / end of year | $268.1M / $298.3M |
| Active participants, start / end of year | 7,255 / 6,929 |
| Participants with account balances | 5,240 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $557,512 reported compensation |
| Mma Securities LLC | $142,081 reported compensation |
| Voya Retirement Advisors, LLC | $128,812 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260408103950NAL0013915536001, received 2026-04-08, EIN 26-4469929, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.