Intuitive Research and Technology Corporation 401(k) Review & Grade
Intuitive Research and Technology Corporation Retirement Plan
Huntsville, ALProfessional, Scientific & Technical Services569 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7,676Employer $ per active participant
$12,033Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$104.5MNet plan assets, end of year
$142,337Average balance per account
Score breakdown
- Employer generosity42.8 / 5086th percentile for employer $ per participant
- Low cost19.0 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 76th |
| Employee saving | 74th |
| 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 ($402,343 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
- Intuitive Research and Technology put in about $7,676 per active participant, more than the typical peer ($3,082). 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.
- 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.
- 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 | $4,367,812 |
| Participant (employee) contributions | $6,846,722 |
| Other contributions (incl. rollovers in) | $1,869,640 |
| Administrative expenses paid from the plan | $90,352 |
| Contract administrator fees | $90,352 |
| Benefits paid out | $10,943,096 |
| Net assets, start / end of year | $90.7M / $104.5M |
| Active participants, start / end of year | 557 / 581 |
| Participants with account balances | 734 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Metz CPA, PLLC |
Largest service providers (Schedule C)
| Epic Retirement Plan Services | $53,613 reported compensation |
| Morgan Stanley | $35,987 reported compensation |
| Aria | $23,225 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009102321NAL0006436577001, received 2025-10-09, EIN 75-2821032, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.