Ninyo & Moore Geotechnical & Environmental Sciences Consultants 401(k) Review & Grade
Ninyo & Moore Geotechnical & Environmental Sciences Consultants
San Diego, CAProfessional, Scientific & Technical Services556 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,664Employer $ per active participant
$8,460Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$77.7MNet plan assets, end of year
$110,094Average balance per account
Score breakdown
- Employer generosity22.1 / 5044th percentile for employer $ per participant
- Low cost14.3 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 57th |
| Employee saving | 45th |
| Peers that auto-enroll | 48% |
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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
- Ninyo & Moore Geotechnical & Environmental Sciences Consultants put in about $2,664 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 | $1,479,861 |
| Participant (employee) contributions | $4,699,356 |
| Other contributions (incl. rollovers in) | $266,325 |
| Administrative expenses paid from the plan | $131,979 |
| Contract administrator fees | $23,958 |
| Investment advisory & management fees | $108,021 |
| Benefits paid out | $5,118,829 |
| Net assets, start / end of year | $67.6M / $77.7M |
| Active participants, start / end of year | 541 / 570 |
| Participants with account balances | 706 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller CPA Group, P.C. |
Largest service providers (Schedule C)
| Wealth Teams Alliance | $108,021 reported compensation |
| Principal Life Insurance Company | $23,958 reported compensation |
| Ysr CPA Group, P.C. | $9,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014161928NAL0004511248001, received 2025-10-14, EIN 33-0269828, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.