Mott Macdonald Group, Inc. 401(k) Review & Grade
Mott Macdonald 401(k) Plan
Iselin, NJProfessional, Scientific & Technical Services2,207 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,782Employer $ per active participant
$10,139Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$489.4MNet plan assets, end of year
$155,497Average balance per account
Score breakdown
- Employer generosity39.2 / 5078th percentile for employer $ per participant
- Low cost18.1 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score73 / 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 | 78th |
| Lower admin cost | 72th |
| Employee saving | 60th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $33,062 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Mott Macdonald Group put in about $5,782 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 | $12,759,902 |
| Participant (employee) contributions | $22,377,257 |
| Other contributions (incl. rollovers in) | $4,967,392 |
| Administrative expenses paid from the plan | $501,035 |
| Contract administrator fees | $32,400 |
| Investment advisory & management fees | $194,906 |
| Benefits paid out | $59,885,305 |
| Net assets, start / end of year | $446.9M / $489.4M |
| Active participants, start / end of year | 2,229 / 2,185 |
| Participants with account balances | 3,147 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $367,077 reported compensation |
| Fiducient Advisors LLC | $94,313 reported compensation |
| Bdo USA LLP | $32,400 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251027115106NAL0008074432001, received 2025-10-27, EIN 22-3789761, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.