Isc Group LLC 401(k) Review & Grade
Isc Group LLC 401k Retirement Plan
Baton Rouge, LAConstruction2,530 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$396Employer $ per active participant
$5,033Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$148.1MNet plan assets, end of year
$28,901Average balance per account
Score breakdown
- Employer generosity5.3 / 5011th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 42th |
| Employee saving | 55th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
Corrective distributions: the plan refunded $302,515 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Isc Group put in about $396 per active participant, below the typical peer ($1,965). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,001,524 |
| Participant (employee) contributions | $12,730,124 |
| Other contributions (incl. rollovers in) | $698,760 |
| Administrative expenses paid from the plan | $218,102 |
| Contract administrator fees | $218,102 |
| Benefits paid out | $11,732,514 |
| Net assets, start / end of year | $129.6M / $148.1M |
| Active participants, start / end of year | 2,403 / 2,656 |
| Participants with account balances | 5,126 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hannis T. Bourgeois, LLP |
Largest service providers (Schedule C)
| Nationwide | $128,602 reported compensation |
| NFP Retirement, Inc. | $89,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250903111751NAL0015133873001, received 2025-09-03, EIN 72-1150566, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.