National Resilience, Inc. 401(k) Review & Grade
National Resilience, Inc. 401(k) Plan
San Diego, CAManufacturing1,458 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,161Employer $ per active participant
$10,436Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$118.6MNet plan assets, end of year
$57,407Average balance per account
Score breakdown
- Employer generosity45.9 / 5092th percentile for employer $ per participant
- Low cost12.9 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 52th |
| Employee saving | 91th |
| Peers that auto-enroll | 59% |
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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
- National Resilience put in about $7,161 per active participant, more than the typical peer ($2,320). 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 | $10,444,986 |
| Participant (employee) contributions | $15,220,329 |
| Other contributions (incl. rollovers in) | $1,698,721 |
| Administrative expenses paid from the plan | $236,136 |
| Other admin expenses | $125,432 |
| Benefits paid out | $21,990,513 |
| Net assets, start / end of year | $98.8M / $118.6M |
| Active participants, start / end of year | 1,472 / 1,445 |
| Participants with account balances | 2,066 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Macias Gini & O'connell LLP |
Largest service providers (Schedule C)
| Royal Alliance Associates, Inc. | $125,153 reported compensation |
| T Rowe Price RPS Inc | $110,704 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014110853NAL0005559346001, received 2025-10-14, EIN 85-0788227, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.