Worldwide Travel Staffing Limi 401(k) Review & Grade
Worldwide Travel Staffing Limi 401(k) Profit Sharing Plan & Trust
Tonawanda, NYHealth Care & Social Assistance965 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,807Employer $ per active participant
$2,361Employee $ saved per active participant
0.51%Direct admin cost, % of plan assets
$17.4MNet plan assets, end of year
$35,436Average balance per account
Score breakdown
- Employer generosity33.7 / 5067th percentile for employer $ per participant
- Low cost5.6 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score49 / 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 | 67th |
| Lower admin cost | 22th |
| Employee saving | 47th |
| Peers that auto-enroll | 36% |
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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
- Worldwide Travel Staffing Limi put in about $1,807 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.
- Direct plan expenses (0.51% 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 | $1,743,298 |
| Participant (employee) contributions | $2,278,054 |
| Other contributions (incl. rollovers in) | $54,717 |
| Administrative expenses paid from the plan | $80,274 |
| Contract administrator fees | $38,003 |
| Investment advisory & management fees | $41,411 |
| Benefits paid out | $2,269,664 |
| Net assets, start / end of year | $13.9M / $17.4M |
| Active participants, start / end of year | 1,145 / 785 |
| Participants with account balances | 492 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jeffrey L. Offhaus CPA LLC |
Largest service providers (Schedule C)
| Paychex, Inc. | $38,951 reported compensation |
| RBC Wealth Management | $38,257 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922150259NAL0012585666001, received 2025-09-22, EIN 16-1432616, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.