Tempus Unlimited, Inc. 401(k) Review & Grade
Tempus Unlimited, Inc. 403(b) Plan
Stoughton, MAHealth Care & Social Assistance552 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,940Employer $ per active participant
$2,438Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$20.3MNet plan assets, end of year
$41,687Average balance per account
Score breakdown
- Employer generosity47.4 / 5095th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 44th |
| Employee saving | 48th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($103,331 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Tempus Unlimited put in about $6,940 per active participant, more than the typical peer ($976). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,830,895 |
| Participant (employee) contributions | $1,345,928 |
| Other contributions (incl. rollovers in) | $61,820 |
| Administrative expenses paid from the plan | $47,137 |
| Contract administrator fees | $47,137 |
| Benefits paid out | $1,280,096 |
| Net assets, start / end of year | $14.2M / $20.3M |
| Active participants, start / end of year | 526 / 578 |
| Participants with account balances | 487 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withum Smith & Brown, P.C. |
Largest service providers (Schedule C)
| Stancorp Financial Group | $48,781 reported compensation |
| Charles Schwab | $6,474 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415093804NAL0025284994001, received 2026-04-15, EIN 04-2239746, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.