Hackerusa, Inc. D/B/A Thrivedx 401(k) Review & Grade
Thrivedx 401(k) Profit Sharing Plan and Trust
Columbia, MDProfessional, Scientific & Technical Services502 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,041Employer $ per active participant
$1,848Employee $ saved per active participant
0.95%Direct admin cost, % of plan assets
$5.5MNet plan assets, end of year
$14,119Average balance per account
Score breakdown
- Employer generosity10.0 / 5020th percentile for employer $ per participant
- Low cost1.8 / 257th percentile for low admin cost vs. same-size plans
- Employee saving1.5 / 1510th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score3 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 7th |
| Employee saving | 10th |
| Peers that auto-enroll | 48% |
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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 ($64,697 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
- Hackerusa, Inc. D/B/A Thrivedx put in about $1,041 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.
- Direct plan expenses (0.95% 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 | $522,927 |
| Participant (employee) contributions | $928,660 |
| Other contributions (incl. rollovers in) | $19,276 |
| Administrative expenses paid from the plan | $46,757 |
| Benefits paid out | $905,587 |
| Net assets, start / end of year | $4.4M / $5.5M |
| Active participants, start / end of year | 667 / 338 |
| Participants with account balances | 390 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Verdeja & Alvarez, LLP |
Largest service providers (Schedule C)
| World Investment Advisors, LLC | $23,769 reported compensation |
| Empower Annuity Ins. Co. of America | $16,653 reported compensation |
| Pension Services, Inc. | $7,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015183512NAL0005377553001, received 2025-10-15, EIN 30-0997446, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.