Transcom Worldwide U.S. 401(k) Review & Grade
Transcom 401(k) Retirement Savings Plan
Denver, COAdministrative, Support & Staffing Services902 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$189Employer $ per active participant
$805Employee $ saved per active participant
0.78%Direct admin cost, % of plan assets
$3.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity13.4 / 5027th percentile for employer $ per participant
- Low cost2.6 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score23 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 10th |
| Employee saving | 27th |
| Peers that auto-enroll | 27% |
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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
- Transcom Worldwide U.S. put in about $189 per active participant, below the typical peer ($712). 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.
- Direct plan expenses (0.78% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $170,609 |
| Participant (employee) contributions | $725,861 |
| Other contributions (incl. rollovers in) | $477,581 |
| Administrative expenses paid from the plan | $23,381 |
| Benefits paid out | $796,218 |
| Net assets, start / end of year | $2.6M / $3.4M |
| Active participants, start / end of year | 905 / 899 |
| Participants with account balances | 281 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Brock and Company Cpas P.C. |
Largest service providers (Schedule C)
| Adp, Inc. | $23,381 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006050328NAL0005498720001, received 2025-10-06, EIN 84-1709772, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.