Innovative Discovery Employment Services Company, Inc. 401(k) Review & Grade
Innovative Driven 401(k) Plan
Arlington, VAProfessional, Scientific & Technical Services1,274 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$852Employer $ per active participant
$2,029Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$35.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.9 / 5018th percentile for employer $ per participant
- Low cost11.1 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving1.5 / 1510th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score22 / 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 | 18th |
| Lower admin cost | 45th |
| Employee saving | 10th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,336 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Innovative Discovery Employment Services Company put in about $852 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 | $1,085,288 |
| Participant (employee) contributions | $2,584,135 |
| Other contributions (incl. rollovers in) | $310,532 |
| Administrative expenses paid from the plan | $90,524 |
| Investment advisory & management fees | $59,917 |
| Benefits paid out | $4,308,709 |
| Net assets, start / end of year | $31.7M / $35.5M |
| Active participants, start / end of year | 918 / 1,629 |
| Participants with account balances | 509 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfl, LLP |
Largest service providers (Schedule C)
| Kestra Advisory Services LLC | $59,917 reported compensation |
| Empower Annuity Insurance Company O | $30,607 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250912085951NAL0000706003001, received 2025-09-12, EIN 82-1582174, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.