Telos Corporation 401(k) Review & Grade
Telos Corporation Shared Savings Plan
Ashburn, VAProfessional, Scientific & Technical Services520 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,368Employer $ per active participant
$10,851Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$127.8MNet plan assets, end of year
$155,302Average balance per account
Score breakdown
- Employer generosity27.9 / 5056th percentile for employer $ per participant
- Low cost17.1 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 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 | 56th |
| Lower admin cost | 68th |
| Employee saving | 66th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Telos put in about $3,368 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 | $1,751,363 |
| Participant (employee) contributions | $5,642,530 |
| Other contributions (incl. rollovers in) | $1,200,838 |
| Administrative expenses paid from the plan | $151,907 |
| Contract administrator fees | $86,557 |
| Investment advisory & management fees | $44,950 |
| Benefits paid out | $7,205,774 |
| Net assets, start / end of year | $115.1M / $127.8M |
| Active participants, start / end of year | 556 / 484 |
| Participants with account balances | 823 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sc&h Attest Services P.C. |
| Employer stock held by plan | $5,504,422 |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $86,482 reported compensation |
| Kestra Advisory Services, LLC | $44,950 reported compensation |
| SC & H Attest Services | $20,400 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001105003NAL0005882515001, received 2025-10-01, EIN 52-0880974, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.