Public Consulting Group LLC 401(k) Review & Grade
Public Consulting Group LLC 401(k) Profit Sharing Plan
Boston, MAProfessional, Scientific & Technical Services2,458 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,518Employer $ per active participant
$8,327Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$311.0MNet plan assets, end of year
$104,530Average balance per account
Score breakdown
- Employer generosity28.8 / 5058th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score61 / 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 | 58th |
| Lower admin cost | 73th |
| Employee saving | 44th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $45,640 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Public Consulting Group put in about $3,518 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 | $8,646,097 |
| Participant (employee) contributions | $20,466,571 |
| Other contributions (incl. rollovers in) | $2,805,345 |
| Administrative expenses paid from the plan | $306,361 |
| Investment advisory & management fees | $69,232 |
| Benefits paid out | $22,442,230 |
| Net assets, start / end of year | $265.3M / $311.0M |
| Active participants, start / end of year | 2,734 / 2,182 |
| Participants with account balances | 2,975 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKF Oconnor Davies LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $237,129 reported compensation |
| Sage Advisory Group | $69,232 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260410105007NAL0013500609001, received 2026-04-10, EIN 04-2942913, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.