Rei Systems, Inc 401(k) Review & Grade
Rei Systems, Inc. 401(k) Plan
Chantilly, VAProfessional, Scientific & Technical Services803 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,669Employer $ per active participant
$14,471Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$185.5MNet plan assets, end of year
$160,045Average balance per account
Score breakdown
- Employer generosity38.9 / 5078th percentile for employer $ per participant
- Low cost23.1 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 92th |
| Employee saving | 86th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,810 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rei Systems put in about $5,669 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.
- 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 | $4,551,964 |
| Participant (employee) contributions | $11,619,934 |
| Other contributions (incl. rollovers in) | $986,809 |
| Administrative expenses paid from the plan | $54,273 |
| Investment advisory & management fees | $57,448 |
| Benefits paid out | $8,284,740 |
| Net assets, start / end of year | $148.7M / $185.5M |
| Active participants, start / end of year | 804 / 802 |
| Participants with account balances | 1,159 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| LPL Financial LLC | $31,250 reported compensation |
| Strategic Advisors, Inc. | $26,198 reported compensation |
| Fidelity Investments Institutional | −$226 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015094733NAL0004219761001, received 2025-10-15, EIN 33-4144829, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.