STV Group, Inc. 401(k) Review & Grade
STV Retirement Plan
Douglassville, PAProfessional, Scientific & Technical Services3,429 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,651Employer $ per active participant
$10,668Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$1.0BNet plan assets, end of year
$224,851Average balance per account
Score breakdown
- Employer generosity36.7 / 5073th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 98th |
| Employee saving | 60th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,900 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- STV Group put in about $4,651 per active participant, more than the typical peer ($2,951). 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.
- 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 | $15,946,658 |
| Participant (employee) contributions | $36,581,787 |
| Other contributions (incl. rollovers in) | $10,196,189 |
| Administrative expenses paid from the plan | $76,421 |
| Other admin expenses | $1,000 |
| Benefits paid out | $99,240,119 |
| Net assets, start / end of year | $929.6M / $1.0B |
| Active participants, start / end of year | 3,360 / 3,498 |
| Participants with account balances | 4,534 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grassi & Co., Cpas, P.C. |
| Employer stock held by plan | $16,818,755 |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $75,421 reported compensation |
| Charles Schwab & Co Inc | $3,288 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715132258NAL0003022657001, received 2026-07-15, EIN 23-1698231, plan #004, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.