Industrial Service Solutions 401(k) Review & Grade
Industrial Service Solutions 401(k) Plan
Houston, TXOther Services1,946 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$993Employer $ per active participant
$3,636Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$66.0MNet plan assets, end of year
$24,736Average balance per account
Score breakdown
- Employer generosity21.5 / 5043th percentile for employer $ per participant
- Low cost11.6 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 43th |
| Lower admin cost | 46th |
| Employee saving | 64th |
| Peers that auto-enroll | 40% |
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
Corrective distributions: the plan refunded $409 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Industrial Service Solutions put in about $993 per active participant, below the typical peer ($1,257). 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.
- 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 | $1,931,936 |
| Participant (employee) contributions | $7,073,612 |
| Other contributions (incl. rollovers in) | $413,205 |
| Administrative expenses paid from the plan | $156,327 |
| Investment advisory & management fees | $35,395 |
| Benefits paid out | $6,205,072 |
| Net assets, start / end of year | $55.9M / $66.0M |
| Active participants, start / end of year | 2,104 / 1,787 |
| Participants with account balances | 2,667 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $120,932 reported compensation |
| Moneta Group LLC | $35,394 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015063527NAL0008349666001, received 2025-10-15, EIN 45-4610801, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.