Earth Resources Technology, LLC 401(k) Review & Grade
Earth Resources Technology, LLC 401(k) Plan
Greenbelt, MDProfessional, Scientific & Technical Services542 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,960Employer $ per active participant
$10,255Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$61.6MNet plan assets, end of year
$79,045Average balance per account
Score breakdown
- Employer generosity24.0 / 5048th percentile for employer $ per participant
- Low cost12.6 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 51th |
| Employee saving | 61th |
| 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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Earth Resources Technology put in about $2,960 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.
- 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 | $1,605,834 |
| Participant (employee) contributions | $5,563,549 |
| Other contributions (incl. rollovers in) | $1,321,945 |
| Administrative expenses paid from the plan | $126,774 |
| Investment advisory & management fees | $62,031 |
| Benefits paid out | $5,426,717 |
| Net assets, start / end of year | $50.9M / $61.6M |
| Active participants, start / end of year | 547 / 538 |
| Participants with account balances | 779 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars,llp |
Largest service providers (Schedule C)
| Adp, Inc. | $64,742 reported compensation |
| Commonwealth Equity Services, Inc. | $62,031 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008140112NAL0003336995001, received 2025-10-08, EIN 52-1849801, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.