Eps Nass Parent, Inc. 401(k) Review & Grade
Voltyx 401(k) Plan
Maryland Heights, MOFinance & Insurance870 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,176Employer $ per active participant
$10,709Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$76.3MNet plan assets, end of year
$62,836Average balance per account
Score breakdown
- Employer generosity21.1 / 5042th percentile for employer $ per participant
- Low cost12.4 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 50th |
| Employee saving | 79th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,054 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Eps Nass Parent put in about $3,176 per active participant, below the typical peer ($3,606). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,764,751 |
| Participant (employee) contributions | $9,322,445 |
| Other contributions (incl. rollovers in) | $901,370 |
| Administrative expenses paid from the plan | $166,877 |
| Investment advisory & management fees | $51,079 |
| Benefits paid out | $13,695,227 |
| Net assets, start / end of year | $67.8M / $76.3M |
| Active participants, start / end of year | 921 / 820 |
| Participants with account balances | 1,214 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rubin Brown LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $115,798 reported compensation |
| Resources Investment Advisors LLC | $51,079 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250819051526NAL0001858833001, received 2025-08-19, EIN 86-2370452, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.