Spatial Front, Inc. 401(k) Review & Grade
Spatial Front, Inc. Retirement Plan
Bethesda, MDProfessional, Scientific & Technical Services582 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,480Employer $ per active participant
$7,838Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$23.5MNet plan assets, end of year
$44,171Average balance per account
Score breakdown
- Employer generosity13.2 / 5026th percentile for employer $ per participant
- Low cost17.2 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 69th |
| Employee saving | 41th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $48,547 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Spatial Front put in about $1,480 per active participant, below the typical peer ($3,082). 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 | $861,159 |
| Participant (employee) contributions | $4,561,454 |
| Other contributions (incl. rollovers in) | $2,325,181 |
| Administrative expenses paid from the plan | $23,961 |
| Investment advisory & management fees | $6,867 |
| Benefits paid out | $1,934,859 |
| Net assets, start / end of year | $15.4M / $23.5M |
| Active participants, start / end of year | 481 / 683 |
| Participants with account balances | 532 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Matthews, Carter & Boyce, PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $17,094 reported compensation |
| Strategic Advisors, Inc. | $6,867 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924152639NAL0010808402001, received 2025-09-24, EIN 26-3662778, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.