Singh Management Co., LLC 401(k) Review & Grade
Singh Management Co., LLC 401(k) Profit Sharing Plan and Trust
West Bloomfield, MIReal Estate & Rental1,564 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$333Employer $ per active participant
$1,499Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$18.8MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity7.1 / 5014th percentile for employer $ per participant
- Low cost25.0 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 14th |
| Lower admin cost | 100th |
| Employee saving | 17th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $124,017 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Singh Management Co. put in about $333 per active participant, below the typical peer ($1,279). 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 | $520,172 |
| Participant (employee) contributions | $2,344,075 |
| Other contributions (incl. rollovers in) | $146,106 |
| Administrative expenses paid from the plan | $67 |
| Benefits paid out | $1,913,937 |
| Net assets, start / end of year | $15.7M / $18.8M |
| Active participants, start / end of year | 1,202 / 1,926 |
| Participants with account balances | 523 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Morgan Stanley Smith Barney | $42,155 reported compensation |
| Fidelity Investments Institutional | $67 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250821142643NAL0004342321001, received 2025-08-21, EIN 38-3457979, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.