Imagine360 Services LLC 401(k) Review & Grade
Imagine360 Administrators 401(k) Plan
Wayne, PAProfessional, Scientific & Technical Services892 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,212Employer $ per active participant
$3,306Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$44.2MNet plan assets, end of year
$65,760Average balance per account
Score breakdown
- Employer generosity11.2 / 5022th percentile for employer $ per participant
- Low cost9.9 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score27 / 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 | 22th |
| Lower admin cost | 40th |
| Employee saving | 17th |
| 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
- Imagine360 Services put in about $1,212 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 | $1,081,275 |
| Participant (employee) contributions | $2,950,929 |
| Other contributions (incl. rollovers in) | $537,534 |
| Administrative expenses paid from the plan | $129,861 |
| Contract administrator fees | $129,861 |
| Benefits paid out | $5,495,508 |
| Net assets, start / end of year | $40.4M / $44.2M |
| Active participants, start / end of year | 866 / 919 |
| Participants with account balances | 672 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Merrill Lynch Pierce Fenner & Smith | $72,317 reported compensation |
| Empower Annuity Insurance Company | $65,583 reported compensation |
| Big Sky Retirement | $23,710 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007145458NAL0004753473001, received 2025-10-07, EIN 27-1535451, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.