Quality Temporary Services, Inc. 401(k) Review & Grade
Quality Temporary Services, Inc. 401k Plan
Flint, MIAdministrative, Support & Staffing Services506 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$154Employer $ per active participant
$970Employee $ saved per active participant
0.72%Direct admin cost, % of plan assets
$4.5MNet plan assets, end of year
$9,417Average balance per account
Score breakdown
- Employer generosity12.6 / 5025th percentile for employer $ per participant
- Low cost3.1 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 12th |
| Employee saving | 31th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,467 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Quality Temporary Services put in about $154 per active participant, below the typical peer ($712). 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 (0.72% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $78,088 |
| Participant (employee) contributions | $490,379 |
| Other contributions (incl. rollovers in) | $7,352 |
| Administrative expenses paid from the plan | $30,726 |
| Other admin expenses | $510 |
| Benefits paid out | $557,152 |
| Net assets, start / end of year | $4.0M / $4.5M |
| Active participants, start / end of year | 524 / 487 |
| Participants with account balances | 483 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Uhy LLP |
Largest service providers (Schedule C)
| Sentinel Benefits Group, Inc. | $27,835 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251012141500NAL0000093763001, received 2025-10-12, EIN 38-2828656, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.