Isec, Inc. 401(k) Review & Grade
Isec, Inc. 401(k) Savings Plan
Greenwood Village, COConstruction834 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,081Employer $ per active participant
$6,355Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$118.2MNet plan assets, end of year
$162,968Average balance per account
Score breakdown
- Employer generosity38.6 / 5077th percentile for employer $ per participant
- Low cost18.3 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 73th |
| Employee saving | 79th |
| Peers that auto-enroll | 44% |
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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
- Isec put in about $3,081 per active participant, more than the typical peer ($1,672). 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.
- 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 | $2,568,338 |
| Participant (employee) contributions | $5,296,892 |
| Other contributions (incl. rollovers in) | $445,142 |
| Administrative expenses paid from the plan | $115,127 |
| Other admin expenses | $50,066 |
| Benefits paid out | $7,274,893 |
| Net assets, start / end of year | $102.6M / $118.2M |
| Active participants, start / end of year | 874 / 793 |
| Participants with account balances | 725 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas, P.C. |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $65,061 reported compensation |
| Ima Wealth Inc | $50,000 reported compensation |
| Charles Schwab & Co., Inc. | $495 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250819135942NAL0001182579001, received 2025-08-19, EIN 84-0577348, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.