Trajector Medical, LLC 401(k) Review & Grade
Trajector Holdings Savings Plan
Gainesville, FLProfessional, Scientific & Technical Services756 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,996Employer $ per active participant
$4,062Employee $ saved per active participant
1.25%Direct admin cost, % of plan assets
$14.9MNet plan assets, end of year
$17,336Average balance per account
Score breakdown
- Employer generosity24.4 / 5049th percentile for employer $ per participant
- Low cost1.0 / 254th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1520th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score39 / 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 | 49th |
| Lower admin cost | 4th |
| Employee saving | 20th |
| Peers that auto-enroll | 48% |
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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
- Trajector Medical put in about $2,996 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.
- Direct plan expenses (1.25% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,263,556 |
| Participant (employee) contributions | $3,068,933 |
| Other contributions (incl. rollovers in) | $55,966 |
| Administrative expenses paid from the plan | $154,155 |
| Contract administrator fees | $20,440 |
| Investment advisory & management fees | $69,029 |
| Other admin expenses | $497 |
| Benefits paid out | $1,463,654 |
| Net assets, start / end of year | $9.7M / $14.9M |
| Active participants, start / end of year | 738 / 773 |
| Participants with account balances | 862 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Assurance Dimensions, LLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $66,911 reported compensation |
| Commonwealth Equity Services LLC | $42,307 reported compensation |
| Empower Advisory Group, LLC | $26,721 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250715102257NAL0002747840001, received 2025-07-15, EIN 47-1965243, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.