Sigma Defense Systems, LLC 401(k) Review & Grade
Sigma Defense 401(k) Plan
San Diego, CAProfessional, Scientific & Technical Services504 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,288Employer $ per active participant
$8,255Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$53.9MNet plan assets, end of year
$91,814Average balance per account
Score breakdown
- Employer generosity37.7 / 5075th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 53th |
| Employee saving | 43th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Sigma Defense Systems put in about $5,288 per active participant, more than the typical peer ($3,082). 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.
- 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.
- 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 | $2,662,338 |
| Participant (employee) contributions | $4,156,435 |
| Other contributions (incl. rollovers in) | $2,176,765 |
| Administrative expenses paid from the plan | $94,168 |
| Contract administrator fees | $94,168 |
| Benefits paid out | $5,870,306 |
| Net assets, start / end of year | $36.7M / $53.9M |
| Active participants, start / end of year | 504 / 503 |
| Participants with account balances | 587 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | The Highlands Accounting Group, Inc |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $94,168 reported compensation |
| Creative Planning, LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015062126NAL0007972434001, received 2025-10-15, EIN 20-5844944, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.