Pioneer Title Agency, Inc. 401(k) Review & Grade
Pioneer Title Agency, Inc. 401(k) Plan
Sierra Vista, AZReal Estate & Rental831 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,379Employer $ per active participant
$5,100Employee $ saved per active participant
0.47%Direct admin cost, % of plan assets
$64.5MNet plan assets, end of year
$76,546Average balance per account
Score breakdown
- Employer generosity27.1 / 5054th percentile for employer $ per participant
- Low cost6.3 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 25th |
| Employee saving | 68th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $83,330 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pioneer Title Agency put in about $1,379 per active participant, more than the typical peer ($1,279). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 (0.47% 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 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 | $1,145,788 |
| Participant (employee) contributions | $4,238,241 |
| Other contributions (incl. rollovers in) | $1,022,654 |
| Administrative expenses paid from the plan | $277,081 |
| Investment advisory & management fees | $151,399 |
| Benefits paid out | $2,454,815 |
| Net assets, start / end of year | $54.0M / $64.5M |
| Active participants, start / end of year | 836 / 826 |
| Participants with account balances | 843 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ludwig Klewer & Rudner PLLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $125,682 reported compensation |
| Kestra Advisory Services LLC | $67,207 reported compensation |
| Commonwealth Equity Services LLC DB | $62,443 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917172840NAL0000820608001, received 2025-09-17, EIN 86-0506255, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.