Opm Services, LLC 401(k) Review & Grade
Aeg Retirement Plan
Azusa, CAManagement of Companies570 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$552Employer $ per active participant
$1,414Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$13.0MNet plan assets, end of year
$36,925Average balance per account
Score breakdown
- Employer generosity4.4 / 509th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 156th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-13 pts2 issues reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 23th |
| Employee saving | 6th |
| Peers that auto-enroll | 58% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,042,089 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $78,798 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Opm Services put in about $552 per active participant, below the typical peer ($2,492). 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.
- Direct plan expenses (0.50% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $314,373 |
| Participant (employee) contributions | $805,170 |
| Other contributions (incl. rollovers in) | $63,275 |
| Administrative expenses paid from the plan | $57,499 |
| Contract administrator fees | $5,965 |
| Investment advisory & management fees | $18,722 |
| Benefits paid out | $3,860,856 |
| Net assets, start / end of year | $9.9M / $13.0M |
| Active participants, start / end of year | 639 / 500 |
| Participants with account balances | 352 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Schneider Downs & Co. Inc |
Largest service providers (Schedule C)
| Fidelity Investments | $29,211 reported compensation |
| Wells Fargo Clearing Services | $14,268 reported compensation |
| Wells Fargo Advisors, LLC | $3,944 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015153755NAL0006635488001, received 2025-10-15, EIN 95-4891590, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.