A P R Consulting, Inc. 401(k) Review & Grade
401(k) Profit-Sharing Plan for Employees of a P R Consulting, Inc.
Diamond Bar, CAProfessional, Scientific & Technical Services1,412 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$158Employer $ per active participant
$1,198Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$19.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.1 / 508th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score23 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 98th |
| Employee saving | 6th |
| Peers that auto-enroll | 48% |
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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 ($60,772 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
- A P R Consulting put in about $158 per active participant, below the typical peer ($3,082). 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 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 | $222,475 |
| Participant (employee) contributions | $1,690,704 |
| Other contributions (incl. rollovers in) | $193,222 |
| Administrative expenses paid from the plan | $1,969 |
| Other admin expenses | $1,969 |
| Benefits paid out | $3,662,449 |
| Net assets, start / end of year | $18.7M / $19.8M |
| Active participants, start / end of year | 1,467 / 1,356 |
| Participants with account balances | 446 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $3,458 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015115855NAL0009096450001, received 2025-10-15, EIN 95-3542256, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.