Systems & Technology Research LLC 401(k) Review & Grade
STR 401(k) Retirement Savings Plan
Woburn, MAProfessional, Scientific & Technical Services758 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$19,213Employer $ per active participant
$17,569Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$178.5MNet plan assets, end of year
$187,057Average balance per account
Score breakdown
- Employer generosity49.7 / 5099th percentile for employer $ per participant
- Low cost24.7 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1596th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 99th |
| Employee saving | 96th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Systems & Technology Research put in about $19,213 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 | $14,554,214 |
| Participant (employee) contributions | $13,308,782 |
| Other contributions (incl. rollovers in) | $9,311,837 |
| Administrative expenses paid from the plan | $7,774 |
| Investment advisory & management fees | $14 |
| Benefits paid out | $6,437,758 |
| Net assets, start / end of year | $122.8M / $178.5M |
| Active participants, start / end of year | 705 / 810 |
| Participants with account balances | 954 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Gray Gray & Gray LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $256 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251222151033NAL0009827905001, received 2025-12-22, EIN 27-3556936, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.