Amsive, LLC 401(k) Review & Grade
Amsive LLC 401(k) Plan
Bolingbrook, ILProfessional, Scientific & Technical Services667 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,272Employer $ per active participant
$7,338Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$65.8MNet plan assets, end of year
$83,023Average balance per account
Score breakdown
- Employer generosity18.8 / 5038th percentile for employer $ per participant
- Low cost16.9 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving5.6 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score41 / 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 | 38th |
| Lower admin cost | 67th |
| Employee saving | 37th |
| 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 ($284 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Amsive put in about $2,272 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,515,332 |
| Participant (employee) contributions | $4,894,731 |
| Other contributions (incl. rollovers in) | $586,048 |
| Administrative expenses paid from the plan | $78,902 |
| Contract administrator fees | $4,240 |
| Investment advisory & management fees | $7,963 |
| Other admin expenses | $7,603 |
| Benefits paid out | $6,771,068 |
| Net assets, start / end of year | $56.8M / $65.8M |
| Active participants, start / end of year | 700 / 634 |
| Participants with account balances | 792 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Workplace Services, LLC | $63,336 reported compensation |
| Strategic Advisors, Inc. | $7,963 reported compensation |
| Bradshaw, Gordon & Clinkscales, LLC | $7,603 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926144616NAL0011944755001, received 2025-09-26, EIN 84-3339624, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.