Prolink Staffing Services, LLC 401(k) Review & Grade
Prolink Staffing Services, LLC 401(k) Plan
Cincinnati, OHAdministrative, Support & Staffing Services3,490 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$120Employer $ per active participant
$1,734Employee $ saved per active participant
0.87%Direct admin cost, % of plan assets
$34.7MNet plan assets, end of year
$15,771Average balance per account
Score breakdown
- Employer generosity18.1 / 5036th percentile for employer $ per participant
- Low cost1.5 / 256th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 6th |
| Employee saving | 59th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Prolink Staffing Services put in about $120 per active participant, below the typical peer ($342). 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 (0.87% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $418,615 |
| Participant (employee) contributions | $6,053,818 |
| Other contributions (incl. rollovers in) | $301,358 |
| Administrative expenses paid from the plan | $291,927 |
| Contract administrator fees | $230,288 |
| Investment advisory & management fees | $44,700 |
| Benefits paid out | $8,227,296 |
| Net assets, start / end of year | $32.1M / $34.7M |
| Active participants, start / end of year | 4,235 / 2,746 |
| Participants with account balances | 2,202 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| American Pension Benefits | $230,288 reported compensation |
| First Financial Bank, N.A. | $44,700 reported compensation |
| Mid Atlantic Trust Company | $16,939 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250912095400NAL0000741315001, received 2025-09-12, EIN 45-2262555, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.