Bosch Security Systems, Inc. 401(k) Review & Grade
Bosch Security Systems Retirement Savings Plan
Broadview, ILWholesale Trade803 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,414Employer $ per active participant
$9,860Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$200.5MNet plan assets, end of year
$198,321Average balance per account
Score breakdown
- Employer generosity43.2 / 5086th percentile for employer $ per participant
- Low cost22.2 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 89th |
| Employee saving | 94th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $155 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Bosch Security Systems put in about $4,414 per active participant, more than the typical peer ($1,792). 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 | $3,544,356 |
| Participant (employee) contributions | $7,917,719 |
| Other contributions (incl. rollovers in) | $611,179 |
| Administrative expenses paid from the plan | $87,427 |
| Investment advisory & management fees | $44,384 |
| Benefits paid out | $27,457,515 |
| Net assets, start / end of year | $188.6M / $200.5M |
| Active participants, start / end of year | 798 / 808 |
| Participants with account balances | 1,011 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante and Moran PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $44,850 reported compensation |
| Strategic Advisors, Inc. | $44,384 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013181350NAL0002571392001, received 2025-10-13, EIN 11-3707780, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.