Human Technologies, Inc. 401(k) Review & Grade
Human Technologies, Inc. Employees Savings Trust
Greenville, SCProfessional, Scientific & Technical Services672 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$380Employer $ per active participant
$778Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$11.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.7 / 5011th percentile for employer $ per participant
- Low cost10.6 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 154th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score20 / 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 | 11th |
| Lower admin cost | 42th |
| Employee saving | 4th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Human Technologies put in about $380 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.
- 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 | $255,454 |
| Participant (employee) contributions | $523,205 |
| Other contributions (incl. rollovers in) | $10,252 |
| Administrative expenses paid from the plan | $29,940 |
| Investment advisory & management fees | $34,800 |
| Benefits paid out | $819,314 |
| Net assets, start / end of year | $9.9M / $11.1M |
| Active participants, start / end of year | 647 / 698 |
| Participants with account balances | 134 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cherry Bekaert LLP |
Largest service providers (Schedule C)
| Capfinancial Partners LLC | $30,102 reported compensation |
| Fidelity Investments Institutional | −$4,860 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014083959NAL0002418545001, received 2025-10-14, EIN 57-1080237, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.