Oxford Global Resources, LLC 401(k) Review & Grade
Oxford Consultant 401(k) Retirement Savings Plan
Beverly, MAOther Services1,486 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$718Employer $ per active participant
$3,615Employee $ saved per active participant
0.96%Direct admin cost, % of plan assets
$19.4MNet plan assets, end of year
$24,336Average balance per account
Score breakdown
- Employer generosity17.5 / 5035th percentile for employer $ per participant
- Low cost1.7 / 257th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 7th |
| Employee saving | 63th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $15,198 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Oxford Global Resources put in about $718 per active participant, below the typical peer ($1,257). 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 (0.96% 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.
- 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 | $1,067,193 |
| Participant (employee) contributions | $5,370,595 |
| Other contributions (incl. rollovers in) | $1,630,125 |
| Administrative expenses paid from the plan | $159,049 |
| Benefits paid out | $4,642,685 |
| Net assets, start / end of year | $13.9M / $19.4M |
| Active participants, start / end of year | 1,437 / 1,534 |
| Participants with account balances | 796 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse Carlin and Van Trigt LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $159,263 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009180252NAL0004151011001, received 2025-10-09, EIN 04-2838827, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.