The Adam Corporation/group 401(k) Review & Grade
The Adam Corporation/group 401(k) Plan
College Station, TXManagement of Companies1,105 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,443Employer $ per active participant
$3,212Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$70.7MNet plan assets, end of year
$37,129Average balance per account
Score breakdown
- Employer generosity24.3 / 5049th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 53th |
| Employee saving | 27th |
| Peers that auto-enroll | 58% |
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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Adam Corporation/group put in about $2,443 per active participant, below the typical peer ($2,492). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $2,699,634 |
| Participant (employee) contributions | $3,549,675 |
| Other contributions (incl. rollovers in) | $82,305 |
| Administrative expenses paid from the plan | $137,418 |
| Contract administrator fees | $137,418 |
| Benefits paid out | $5,509,991 |
| Net assets, start / end of year | $62.7M / $70.7M |
| Active participants, start / end of year | 1,149 / 1,061 |
| Participants with account balances | 1,903 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Peggy S. Edge, CPA, LLC |
Largest service providers (Schedule C)
| Ascensus LLC | $140,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250710091915NAL0003397411001, received 2025-07-10, EIN 74-2270146, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.