Ground Services International 401(k) Review & Grade
Dnata US 401(k) Plan
Orlando, FLTransportation & Warehousing3,050 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$151Employer $ per active participant
$595Employee $ saved per active participant
1.49%Direct admin cost, % of plan assets
$12.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.5 / 505th percentile for employer $ per participant
- Low cost0.6 / 252th percentile for low admin cost vs. same-size plans
- Employee saving0.7 / 155th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score4 / 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 | 5th |
| Lower admin cost | 2th |
| Employee saving | 5th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $40,785 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ground Services International put in about $151 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 (1.49% 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 | $459,106 |
| Participant (employee) contributions | $1,815,600 |
| Other contributions (incl. rollovers in) | $230,936 |
| Administrative expenses paid from the plan | $181,793 |
| Investment advisory & management fees | $28,456 |
| Other admin expenses | $2,267 |
| Benefits paid out | $3,346,649 |
| Net assets, start / end of year | $12.0M / $12.3M |
| Active participants, start / end of year | 2,813 / 3,287 |
| Participants with account balances | 1,215 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Assurance Dimensions |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $148,915 reported compensation |
| Empower Advisory Group, LLC | $28,456 reported compensation |
| Kestra Investment Services LLC | $18,237 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916114334NAL0001923265001, received 2025-09-16, EIN 20-8137064, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.