Mission Support and Test Services LLC 401(k) Review & Grade
Mission Support and Test Services LLC (msts) Employee 401(k) Plan
Las Vegas, NVProfessional, Scientific & Technical Services2,485 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,378Employer $ per active participant
$12,005Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$611.9MNet plan assets, end of year
$202,092Average balance per account
Score breakdown
- Employer generosity27.9 / 5056th percentile for employer $ per participant
- Low cost20.3 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 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 | 56th |
| Lower admin cost | 81th |
| Employee saving | 74th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,105 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Mission Support and Test Services put in about $3,378 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 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 | $8,395,115 |
| Participant (employee) contributions | $29,832,050 |
| Other contributions (incl. rollovers in) | $3,851,381 |
| Administrative expenses paid from the plan | $409,764 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $188,325 |
| Benefits paid out | $66,592,262 |
| Net assets, start / end of year | $530.2M / $611.9M |
| Active participants, start / end of year | 2,485 / 2,485 |
| Participants with account balances | 3,028 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mcconnell & Jones, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $188,325 reported compensation |
| Fidelity Investments Institutional | $107,753 reported compensation |
| Mercer | $56,333 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007141341NAL0004701089001, received 2025-10-07, EIN 81-0705502, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.