Keywords US Holdings, Inc. 401(k) Review & Grade
Keywords US Holdings, Inc. 401(k) P/S Plan
Bothell, WAProfessional, Scientific & Technical Services1,062 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,439Employer $ per active participant
$5,059Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$48.3MNet plan assets, end of year
$43,673Average balance per account
Score breakdown
- Employer generosity20.2 / 5040th percentile for employer $ per participant
- Low cost8.0 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1525th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 32th |
| Employee saving | 25th |
| 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 ($70,564 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
- Keywords US Holdings put in about $2,439 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.
- Direct plan expenses (0.38% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,591,927 |
| Participant (employee) contributions | $5,374,791 |
| Other contributions (incl. rollovers in) | $765,607 |
| Administrative expenses paid from the plan | $167,349 |
| Investment advisory & management fees | $164,503 |
| Benefits paid out | $6,718,714 |
| Net assets, start / end of year | $39.5M / $48.3M |
| Active participants, start / end of year | 1,225 / 900 |
| Participants with account balances | 1,105 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino Advisory LLC |
Largest service providers (Schedule C)
| Johnson Wealth Inc | $6,370 reported compensation |
| Empower Annuity Insurance Company O | $2,846 reported compensation |
| Empower Financial Services, Inc. | $10 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251114111614NAL0002357457001, received 2025-11-14, EIN 61-1859078, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.