Vector Security, Inc 401(k) Review & Grade
Vector Security, Inc. Retirement Savings Plan
Warrendale, PAAdministrative, Support & Staffing Services1,542 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,474Employer $ per active participant
$5,276Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$151.1MNet plan assets, end of year
$77,978Average balance per account
Score breakdown
- Employer generosity42.0 / 5084th percentile for employer $ per participant
- Low cost15.1 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 60th |
| Employee saving | 79th |
| Peers that auto-enroll | 27% |
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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
- Vector Security put in about $2,474 per active participant, more than the typical peer ($712). 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 | $3,815,920 |
| Participant (employee) contributions | $8,137,943 |
| Other contributions (incl. rollovers in) | $895,119 |
| Administrative expenses paid from the plan | $236,366 |
| Investment advisory & management fees | $56,000 |
| Benefits paid out | $14,927,953 |
| Net assets, start / end of year | $134.9M / $151.1M |
| Active participants, start / end of year | 1,556 / 1,529 |
| Participants with account balances | 1,938 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $180,366 reported compensation |
| Global Retirement Partners, LLC | $56,000 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250724152936NAL0005035793001, received 2025-07-24, EIN 23-1734719, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.