Goto Technologies USA, LLC 401(k) Review & Grade
Goto Technologies USA, LLC 401(k) Plan
Boston, MAProfessional, Scientific & Technical Services1,234 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,696Employer $ per active participant
$10,340Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$191.5MNet plan assets, end of year
$101,286Average balance per account
Score breakdown
- Employer generosity22.1 / 5044th percentile for employer $ per participant
- Low cost16.2 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1562th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 65th |
| Employee saving | 62th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $44,474 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Goto Technologies USA put in about $2,696 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 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 | $3,328,715 |
| Participant (employee) contributions | $12,764,534 |
| Other contributions (incl. rollovers in) | $2,248,182 |
| Administrative expenses paid from the plan | $275,942 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $56,986 |
| Other admin expenses | $67,039 |
| Benefits paid out | $26,023,874 |
| Net assets, start / end of year | $196.0M / $191.5M |
| Active participants, start / end of year | 1,354 / 1,115 |
| Participants with account balances | 1,891 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKF O'connor Davies, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $151,917 reported compensation |
| Fiducient Advisors LLC | $67,039 reported compensation |
| Strategic Advisors, Inc. | $56,986 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007161335NAL0002816355001, received 2025-10-07, EIN 81-2216538, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.