Triton Management Services, LLC 401(k) Review & Grade
Triton Management Services, LLC 401(k) Plan
Carlsbad, CAOther Services582 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,690Employer $ per active participant
$3,115Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$46.5MNet plan assets, end of year
$121,123Average balance per account
Score breakdown
- Employer generosity31.6 / 5063th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 38th |
| Employee saving | 59th |
| Peers that auto-enroll | 40% |
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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
- Triton Management Services put in about $1,690 per active participant, more than the typical peer ($1,257). 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.
- 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 | $983,626 |
| Participant (employee) contributions | $1,813,119 |
| Other contributions (incl. rollovers in) | $16,813 |
| Administrative expenses paid from the plan | $142,036 |
| Contract administrator fees | $88,999 |
| Investment advisory & management fees | $53,037 |
| Benefits paid out | $3,508,764 |
| Net assets, start / end of year | $41.5M / $46.5M |
| Active participants, start / end of year | 571 / 593 |
| Participants with account balances | 384 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lavine, Lofgren, Morris & Engelberg |
Largest service providers (Schedule C)
| Stancorp Financial Group | $95,982 reported compensation |
| NFP Retirement, Inc. | $39,777 reported compensation |
| Independent Financial Group, LLC | $13,259 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010104529NAL0018273874001, received 2025-10-10, EIN 90-0881315, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.