Kids Individual Development Services, LLC 401(k) Review & Grade
Kids Individual Development Services, LLC 401(k) Plan
Corvallis, OROther Services601 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$453Employer $ per active participant
$797Employee $ saved per active participant
3.20%Direct admin cost, % of plan assets
$1.4MNet plan assets, end of year
$2,226Average balance per account
Score breakdown
- Employer generosity13.9 / 5028th percentile for employer $ per participant
- Low cost0.1 / 250th percentile for low admin cost vs. same-size plans
- Employee saving2.8 / 1519th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 0th |
| Employee saving | 19th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $57 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kids Individual Development Services put in about $453 per active participant, below the typical peer ($1,257). 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 (3.20% 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.
- 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 | $272,477 |
| Participant (employee) contributions | $479,113 |
| Other contributions (incl. rollovers in) | $3,448 |
| Administrative expenses paid from the plan | $36,127 |
| Contract administrator fees | $36,127 |
| Benefits paid out | $306,618 |
| Net assets, start / end of year | $856,364 / $1.4M |
| Active participants, start / end of year | 688 / 514 |
| Participants with account balances | 629 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Smith & Howard, PC |
Largest service providers (Schedule C)
| T. Rowe Price | $36,128 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015154448NAL0010443426001, received 2025-10-15, EIN 83-3172000, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.