Guidepoint Security, LLC 401(k) Review & Grade
Guidepoint Security, LLC 401(k) Plan
Herndon, VAAdministrative, Support & Staffing Services939 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,988Employer $ per active participant
$11,916Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$71.0MNet plan assets, end of year
$66,607Average balance per account
Score breakdown
- Employer generosity44.5 / 5089th percentile for employer $ per participant
- Low cost7.1 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 28th |
| Employee saving | 98th |
| Peers that auto-enroll | 27% |
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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 ($2,176 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,500 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Guidepoint Security put in about $2,988 per active participant, more than the typical peer ($712). 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.
- Direct plan expenses (0.43% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $2,806,012 |
| Participant (employee) contributions | $11,189,289 |
| Other contributions (incl. rollovers in) | $6,592,103 |
| Administrative expenses paid from the plan | $253,253 |
| Contract administrator fees | $30,815 |
| Investment advisory & management fees | $107,782 |
| Benefits paid out | $4,795,691 |
| Net assets, start / end of year | $47.7M / $71.0M |
| Active participants, start / end of year | 909 / 969 |
| Participants with account balances | 1,066 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Assurance Dimensions |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $108,166 reported compensation |
| Ubs Financial Services, Inc. | $107,782 reported compensation |
| Retirement Solutions Specialists | $20,815 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250717123855NAL0000292209001, received 2025-07-17, EIN 45-3694402, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.