Liquidity Services, Inc. 401(k) Review & Grade
Liquidity Services, Inc. 401k Profit Sharing Plan
Bethesda, MDRetail Trade666 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,121Employer $ per active participant
$6,568Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$67.9MNet plan assets, end of year
$77,025Average balance per account
Score breakdown
- Employer generosity43.7 / 5087th percentile for employer $ per participant
- Low cost13.9 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1594th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 55th |
| Employee saving | 94th |
| 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
- Liquidity Services put in about $2,121 per active participant, more than the typical peer ($743). 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 | $1,412,916 |
| Participant (employee) contributions | $4,374,462 |
| Other contributions (incl. rollovers in) | $677,110 |
| Administrative expenses paid from the plan | $122,228 |
| Investment advisory & management fees | $27,501 |
| Other admin expenses | $13,370 |
| Benefits paid out | $5,133,529 |
| Net assets, start / end of year | $58.7M / $67.9M |
| Active participants, start / end of year | 619 / 713 |
| Participants with account balances | 882 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $71,518 reported compensation |
| NFP Retirement Inc | $14,988 reported compensation |
| Strategic Advisors, Inc. | $12,514 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250722134504NAL0006198770001, received 2025-07-22, EIN 52-2209244, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.