Mathematica Group Holding Inc. 401(k) Review & Grade
Mathematica Group Holding Inc. Profit Sharing Plan
Princeton, NJProfessional, Scientific & Technical Services1,769 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,413Employer $ per active participant
$12,744Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$477.5MNet plan assets, end of year
$201,292Average balance per account
Score breakdown
- Employer generosity28.1 / 5056th percentile for employer $ per participant
- Low cost22.9 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 91th |
| Employee saving | 79th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,854 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Mathematica Group Holding put in about $3,413 per active participant, more than the typical peer ($3,082). 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 | $6,036,818 |
| Participant (employee) contributions | $22,544,539 |
| Other contributions (incl. rollovers in) | $5,661,640 |
| Administrative expenses paid from the plan | $161,764 |
| Contract administrator fees | $119,851 |
| Investment advisory & management fees | $41,913 |
| Benefits paid out | $39,172,908 |
| Net assets, start / end of year | $424.7M / $477.5M |
| Active participants, start / end of year | 1,785 / 1,753 |
| Participants with account balances | 2,372 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| John Hancock Retirement Plan Svcs | $119,851 reported compensation |
| Ubs Financial Services Inc. | $41,917 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007142653NAL0002743683001, received 2025-10-07, EIN 22-2675420, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.