Accurate Personnel LLC 401(k) Review & Grade
Accurate Personnel LLC Retirement Plan
Schaumburg, ILProfessional, Scientific & Technical Services5,156 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$51Employer $ per active participant
$94Employee $ saved per active participant
0.56%Direct admin cost, % of plan assets
$3.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.7 / 507th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving0.3 / 152th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score10 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 11th |
| Employee saving | 2th |
| Peers that auto-enroll | 47% |
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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
- Accurate Personnel put in about $51 per active participant, below the typical peer ($2,951). 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 (0.56% of assets) are well above similar-size plans (0.12%). 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 | $260,745 |
| Participant (employee) contributions | $485,554 |
| Other contributions (incl. rollovers in) | $8,926 |
| Administrative expenses paid from the plan | $18,226 |
| Benefits paid out | $647,183 |
| Net assets, start / end of year | $3.0M / $3.5M |
| Active participants, start / end of year | 4,954 / 5,359 |
| Participants with account balances | 97 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251121085021NAL0006414545001, received 2025-11-21, EIN 20-3982098, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.