Mission Support and Test Services LLC 401(k) Review & Grade
Mission Support and Test Services LLC (msts) Represented Employee 401(k) Plan
Las Vegas, NVProfessional, Scientific & Technical Services870 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,142Employer $ per active participant
$5,104Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$52.4MNet plan assets, end of year
$106,325Average balance per account
Score breakdown
- Employer generosity10.8 / 5022th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1525th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 67th |
| Employee saving | 25th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $24,914 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Mission Support and Test Services put in about $1,142 per active participant, below the typical peer ($3,082). 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.
- 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 | $993,303 |
| Participant (employee) contributions | $4,440,231 |
| Other contributions (incl. rollovers in) | $1,563,182 |
| Administrative expenses paid from the plan | $61,234 |
| Investment advisory & management fees | $23,778 |
| Benefits paid out | $3,447,005 |
| Net assets, start / end of year | $41.2M / $52.4M |
| Active participants, start / end of year | 905 / 835 |
| Participants with account balances | 493 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mcconnell & Jones, LLP |
Largest service providers (Schedule C)
| Fid Invsmnts Inst Oprtns Co, LLC. | $37,456 reported compensation |
| Strategic Advisors, Inc. | $23,778 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007141438NAL0002735731001, received 2025-10-07, EIN 81-0705502, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.