Technology Service Corporation 401(k) Review & Grade
Technology Service Corporation Retirement Plan
Arlington, VAProfessional, Scientific & Technical Services651 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,189Employer $ per active participant
$10,581Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$214.9MNet plan assets, end of year
$195,328Average balance per account
Score breakdown
- Employer generosity37.3 / 5075th percentile for employer $ per participant
- Low cost24.8 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 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 | 75th |
| Lower admin cost | 99th |
| Employee saving | 64th |
| 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 $282 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Technology Service put in about $5,189 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.
- 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 | $3,378,042 |
| Participant (employee) contributions | $6,888,023 |
| Other contributions (incl. rollovers in) | $1,683,473 |
| Administrative expenses paid from the plan | $7,663 |
| Other admin expenses | $7,663 |
| Benefits paid out | $12,431,945 |
| Net assets, start / end of year | $191.5M / $214.9M |
| Active participants, start / end of year | 607 / 695 |
| Participants with account balances | 1,100 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Galgas Russell, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $10,488 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009092154NAL0006746801001, received 2025-10-09, EIN 95-4399083, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.