Outcomes One, Inc 401(k) Review & Grade
Outcomes 401(k) Profit Sharing Plan
Orlando, FLProfessional, Scientific & Technical Services706 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,494Employer $ per active participant
$6,798Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$39.8MNet plan assets, end of year
$63,787Average balance per account
Score breakdown
- Employer generosity20.6 / 5041th percentile for employer $ per participant
- Low cost9.4 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 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 | 41th |
| Lower admin cost | 37th |
| Employee saving | 34th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $17,145 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Outcomes One put in about $2,494 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.
- 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 | $1,761,887 |
| Participant (employee) contributions | $4,802,754 |
| Other contributions (incl. rollovers in) | $2,497,802 |
| Administrative expenses paid from the plan | $115,837 |
| Contract administrator fees | $115,837 |
| Benefits paid out | $5,067,589 |
| Net assets, start / end of year | $31.2M / $39.8M |
| Active participants, start / end of year | 708 / 705 |
| Participants with account balances | 624 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Purvis, Gray and Company, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $115,836 reported compensation |
| Mai Capital Management, LLC | $51,254 reported compensation |
| Wilshire Advisors LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250827150535NAL0009681937001, received 2025-08-27, EIN 59-1710804, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.