Tista Science and Technology Corporation 401(k) Review & Grade
Tista Science and Technology Corporation 401k
Rockville, MDProfessional, Scientific & Technical Services1,120 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,917Employer $ per active participant
$9,730Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$76.7MNet plan assets, end of year
$53,912Average balance per account
Score breakdown
- Employer generosity23.7 / 5047th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1556th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-20 pts2 issues reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 40th |
| Employee saving | 56th |
| 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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,079,404 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Tista Science and Technology put in about $2,917 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,265,966 |
| Participant (employee) contributions | $10,892,505 |
| Other contributions (incl. rollovers in) | $2,094,419 |
| Administrative expenses paid from the plan | $211,177 |
| Investment advisory & management fees | $50,000 |
| Benefits paid out | $11,150,354 |
| Net assets, start / end of year | $62.0M / $76.7M |
| Active participants, start / end of year | 1,270 / 969 |
| Participants with account balances | 1,423 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Aprio LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $161,177 reported compensation |
| The Capital Group Inv Advisory | $50,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260105131001NAL0002103731001, received 2026-01-05, EIN 20-3485498, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.