Insitu, Inc. 401(k) Review & Grade
Insitu, Inc. 401(k) Plan
Bingen, WAProfessional, Scientific & Technical Services560 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,487Employer $ per active participant
$10,745Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$144.0MNet plan assets, end of year
$163,110Average balance per account
Score breakdown
- Employer generosity34.7 / 5069th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score64 / 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 | 69th |
| Lower admin cost | 67th |
| Employee saving | 65th |
| 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
- Insitu put in about $4,487 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.
- 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 | $2,515,230 |
| Participant (employee) contributions | $6,022,350 |
| Other contributions (incl. rollovers in) | $604,467 |
| Administrative expenses paid from the plan | $195,092 |
| Contract administrator fees | $96,165 |
| Investment advisory & management fees | $98,927 |
| Benefits paid out | $33,891,745 |
| Net assets, start / end of year | $149.2M / $144.0M |
| Active participants, start / end of year | 594 / 527 |
| Participants with account balances | 883 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Servi, Inc. | $96,313 reported compensation |
| Sellwood Consulting LLC | $74,279 reported compensation |
| Monterey Private Wealth Inc | $11,977 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251111121545NAL0006389235001, received 2025-11-11, EIN 91-1641766, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.