Pce Paragon Solutions USA, Inc. 401(k) Review & Grade
Foxconn Industrial Internet / Pce Paragon Solutions 401(k)
Houston, TXProfessional, Scientific & Technical Services1,138 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,357Employer $ per active participant
$3,097Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$47.7MNet plan assets, end of year
$61,402Average balance per account
Score breakdown
- Employer generosity12.4 / 5025th percentile for employer $ per participant
- Low cost17.4 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 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 | 25th |
| Lower admin cost | 70th |
| Employee saving | 15th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $32,845 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pce Paragon Solutions USA put in about $1,357 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 | $1,544,636 |
| Participant (employee) contributions | $3,524,423 |
| Other contributions (incl. rollovers in) | $62,519 |
| Administrative expenses paid from the plan | $53,160 |
| Investment advisory & management fees | $30,757 |
| Benefits paid out | $4,567,200 |
| Net assets, start / end of year | $41.3M / $47.7M |
| Active participants, start / end of year | 1,086 / 1,190 |
| Participants with account balances | 777 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Acorn Accountancy Corporation |
Largest service providers (Schedule C)
| Gallagher Benefit Services | $29,431 reported compensation |
| Adp, Inc. | $23,728 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003052858NAL0001072369001, received 2025-10-03, EIN 68-0675408, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.