Adecco Personnel Services, Inc. 401(k) Review & Grade
Adecco Puerto Rico Retirement Plan
Jacksonville, FLProfessional, Scientific & Technical Services3,485 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500-SF filing · How we grade
$6Employer $ per active participant
$16Employee $ saved per active participant
5.48%Direct admin cost, % of plan assets
$259,123Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.2 / 504th percentile for employer $ per participant
- Low cost0.0 / 250th percentile for low admin cost vs. same-size plans
- Employee saving0.1 / 151th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score9 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 0th |
| Employee saving | 1th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $14,302 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Adecco Personnel Services put in about $6 per active participant, below the typical peer ($2,951). 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 (5.48% of assets) are well above similar-size plans (0.12%). 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 | $22,126 |
| Participant (employee) contributions | $56,773 |
| Other contributions (incl. rollovers in) | $115,648 |
| Administrative expenses paid from the plan | $9,327 |
| Benefits paid out | $6,822 |
| Net assets, start / end of year | $81,158 / $259,123 |
| Active participants, start / end of year | 3,574 / 3,396 |
| Participants with account balances | 41 |
| Auto-enrollment (feature code 2S) | Yes |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251001103238NAL0014104464001, received 2025-10-01, EIN 66-0579898, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.