Advanced Technology Services, Inc. 401(k) Review & Grade
Advanced Technology Services, Inc. 401(k) PSP
Peoria, ILOther Services2,120 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,194Employer $ per active participant
$6,137Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$205.1MNet plan assets, end of year
$62,525Average balance per account
Score breakdown
- Employer generosity35.1 / 5070th percentile for employer $ per participant
- Low cost16.0 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 64th |
| Employee saving | 82th |
| Peers that auto-enroll | 40% |
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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 ($3,851 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
- Advanced Technology Services put in about $2,194 per active participant, more than the typical peer ($1,257). 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.
- 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.
- 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 | $4,650,592 |
| Participant (employee) contributions | $13,009,937 |
| Other contributions (incl. rollovers in) | $1,151,248 |
| Administrative expenses paid from the plan | $284,570 |
| Benefits paid out | $25,014,188 |
| Net assets, start / end of year | $185.6M / $205.1M |
| Active participants, start / end of year | 2,178 / 2,062 |
| Participants with account balances | 3,281 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
| Employer stock held by plan | $17,440,870 |
Largest service providers (Schedule C)
| Ascensus LLC | $216,504 reported compensation |
| RSM US LLP. | $28,350 reported compensation |
| Greatbanc Trust Company | $19,875 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923111112NAL0007901619001, received 2025-09-23, EIN 26-1499204, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.