G2 Secure Staff, L.L.C. 401(k) Review & Grade
G2 Secure Staff, L.L.C. Employees Savings Trust
Irving, TXTransportation & Warehousing8,975 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$45Employer $ per active participant
$626Employee $ saved per active participant
1.90%Direct admin cost, % of plan assets
$19.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity0.8 / 502th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score2 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 2th |
| Lower admin cost | 1th |
| Employee saving | 6th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,289 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- G2 Secure Staff put in about $45 per active participant, below the typical peer ($1,834). 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 (1.90% 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.
- 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 | $408,304 |
| Participant (employee) contributions | $5,620,037 |
| Other contributions (incl. rollovers in) | $554,453 |
| Administrative expenses paid from the plan | $324,577 |
| Investment advisory & management fees | $84,940 |
| Benefits paid out | $3,111,513 |
| Net assets, start / end of year | $14.5M / $19.7M |
| Active participants, start / end of year | 8,899 / 9,051 |
| Participants with account balances | 2,236 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Whitley Penn LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $244,316 reported compensation |
| Alliant Insurance Agency Inc | $80,260 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014055805NAL0003211088001, received 2025-10-14, EIN 56-2521673, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.