Quest Global Services N.A., Inc. 401(k) Review & Grade
Quest Global 401(k) Plan
Windsor, CTProfessional, Scientific & Technical Services2,002 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,366Employer $ per active participant
$5,767Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$90.3MNet plan assets, end of year
$33,588Average balance per account
Score breakdown
- Employer generosity12.5 / 5025th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 41th |
| Employee saving | 29th |
| Peers that auto-enroll | 48% |
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
Corrective distributions: the plan refunded $87,974 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Quest Global Services N.A. put in about $1,366 per active participant, below the typical peer ($3,082). 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $2,734,472 |
| Participant (employee) contributions | $11,542,408 |
| Other contributions (incl. rollovers in) | $1,081,868 |
| Administrative expenses paid from the plan | $219,564 |
| Benefits paid out | $11,449,081 |
| Net assets, start / end of year | $58.8M / $90.3M |
| Active participants, start / end of year | 1,980 / 2,023 |
| Participants with account balances | 2,687 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $202,239 reported compensation |
| Clifton Larson Allen LLP | $17,325 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010051957NAL0012480352001, received 2025-10-10, EIN 31-1393419, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.