Pacific Personnel Services, Inc 401(k) Review & Grade
Pacific Personnel 401k Plan
Irvine, CAAdministrative, Support & Staffing Services1,491 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$450Employer $ per active participant
$1,549Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$11.7MNet plan assets, end of year
$11,509Average balance per account
Score breakdown
- Employer generosity21.0 / 5042th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 23th |
| Employee saving | 46th |
| Peers that auto-enroll | 27% |
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 ($77,586 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $22,585 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pacific Personnel Services put in about $450 per active participant, below the typical peer ($712). 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 | $670,986 |
| Participant (employee) contributions | $2,309,526 |
| Other contributions (incl. rollovers in) | $304,805 |
| Administrative expenses paid from the plan | $51,332 |
| Investment advisory & management fees | $847 |
| Benefits paid out | $1,620,722 |
| Net assets, start / end of year | $8.8M / $11.7M |
| Active participants, start / end of year | 1,370 / 1,612 |
| Participants with account balances | 1,020 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lavine Lofgren Morris Engelberg |
Largest service providers (Schedule C)
| Adp, Inc. | $51,332 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015235824NAL0002958355001, received 2025-10-16, EIN 77-0644838, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.