Ksi Trading Corp. 401(k) Review & Grade
The Ksi 401(k) Savings Plan
S Plainfield, NJWholesale Trade752 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$177Employer $ per active participant
$1,054Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$8.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity1.8 / 504th percentile for employer $ per participant
- Low cost21.8 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 87th |
| Employee saving | 4th |
| Peers that auto-enroll | 53% |
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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
- Ksi Trading put in about $177 per active participant, below the typical peer ($1,792). 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.
- 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 | $133,243 |
| Participant (employee) contributions | $792,039 |
| Other contributions (incl. rollovers in) | $340,848 |
| Administrative expenses paid from the plan | $3,923 |
| Benefits paid out | $495,772 |
| Net assets, start / end of year | $7.1M / $8.5M |
| Active participants, start / end of year | 630 / 873 |
| Participants with account balances | 291 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PKF O'connor Davies,llp |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014153651NAL0006618930001, received 2025-10-14, EIN 22-2809136, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.