Infraservices Group Resources 401(k) Review & Grade
Infraservices Group Retirement Plan
Blue Bell, PAConstruction622 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$599Employer $ per active participant
$1,586Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$14.7MNet plan assets, end of year
$38,878Average balance per account
Score breakdown
- Employer generosity9.3 / 5019th percentile for employer $ per participant
- Low cost13.9 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving2.4 / 1516th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 55th |
| Employee saving | 16th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,737 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Infraservices Group Resources put in about $599 per active participant, below the typical peer ($1,672). 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 | $372,283 |
| Participant (employee) contributions | $986,622 |
| Other contributions (incl. rollovers in) | $13,558,241 |
| Administrative expenses paid from the plan | $28,253 |
| Benefits paid out | $181,322 |
| Net assets, start / end of year | $0 / $14.7M |
| Active participants, start / end of year | 647 / 597 |
| Participants with account balances | 377 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $28,253 reported compensation |
| Park Avenue Securities LLC | $0 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015114359NAL0005972080001, received 2025-10-15, EIN 99-3451998, plan #001, plan year 2024-08-01 to 2024-12-31. Verify at efast.dol.gov.