M S International, Inc. 401(k) Review & Grade
M S International, Inc. 401(k) Profit Sharing Plan
Orange, CAWholesale Trade2,078 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,980Employer $ per active participant
$4,116Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$100.2MNet plan assets, end of year
$75,352Average balance per account
Score breakdown
- Employer generosity27.6 / 5055th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1542th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 82th |
| Employee saving | 42th |
| Peers that auto-enroll | 53% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- M S International put in about $1,980 per active participant, more than the typical peer ($1,792). 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 | $4,114,584 |
| Participant (employee) contributions | $8,553,168 |
| Other contributions (incl. rollovers in) | $2,063,956 |
| Administrative expenses paid from the plan | $60,361 |
| Contract administrator fees | $60,361 |
| Benefits paid out | $5,657,534 |
| Net assets, start / end of year | $80.2M / $100.2M |
| Active participants, start / end of year | 2,063 / 2,093 |
| Participants with account balances | 1,330 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lance, Soll & Lunghard, LLP |
Largest service providers (Schedule C)
| Pension Kinetics | $32,335 reported compensation |
| Transamerica Life Insurance Company | $28,026 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250826125635NAL0004442819001, received 2025-08-26, EIN 35-1562013, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.