Osmose Utilities Services, Inc. 401(k) Review & Grade
Osmose 401(k) Plan
Peachtree City, GAManagement of Companies2,942 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,861Employer $ per active participant
$4,654Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$202.1MNet plan assets, end of year
$61,236Average balance per account
Score breakdown
- Employer generosity11.0 / 5022th percentile for employer $ per participant
- Low cost9.3 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Management of Companies plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 37th |
| Employee saving | 24th |
| Peers that auto-enroll | 58% |
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Red flags from the filing
Corrective distributions: the plan refunded $80,879 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Osmose Utilities Services put in about $1,861 per active participant, below the typical peer ($3,455). 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 (0.19% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $5,475,230 |
| Participant (employee) contributions | $13,691,102 |
| Other contributions (incl. rollovers in) | $2,211,199 |
| Administrative expenses paid from the plan | $356,250 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $49,433 |
| Other admin expenses | $72,500 |
| Benefits paid out | $29,786,641 |
| Net assets, start / end of year | $178.1M / $202.1M |
| Active participants, start / end of year | 2,353 / 3,530 |
| Participants with account balances | 3,300 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bonadio & Co., LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $234,317 reported compensation |
| Creative Planning | $72,500 reported compensation |
| Strategic Advisors, Inc. | $49,433 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820152034NAL0006288418001, received 2025-08-20, EIN 35-2175310, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.