Gza Geoenvironmental Technologies, Inc. 401(k) Review & Grade
Gza Restated 401(k) Profit Sharing Plan
Norwood, MAProfessional, Scientific & Technical Services778 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,251Employer $ per active participant
$9,038Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$214.9MNet plan assets, end of year
$215,345Average balance per account
Score breakdown
- Employer generosity33.5 / 5067th percentile for employer $ per participant
- Low cost22.6 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 91th |
| Employee saving | 50th |
| Peers that auto-enroll | 48% |
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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
- Gza Geoenvironmental Technologies put in about $4,251 per active participant, more than the typical peer ($3,082). 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 | $3,309,507 |
| Participant (employee) contributions | $7,036,312 |
| Other contributions (incl. rollovers in) | $1,932,742 |
| Administrative expenses paid from the plan | $77,989 |
| Investment advisory & management fees | $74,023 |
| Benefits paid out | $16,787,054 |
| Net assets, start / end of year | $190.0M / $214.9M |
| Active participants, start / end of year | 775 / 782 |
| Participants with account balances | 998 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Gray, Gray & Gray |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $74,023 reported compensation |
| Empower Annuity Insurance Company O | $3,242 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014160013NAL0004451568001, received 2025-10-14, EIN 04-2393851, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.