Kci Technologies, Inc 401(k) Review & Grade
Kci Technologies, Inc 401(k) Plan
Sparks, MDProfessional, Scientific & Technical Services2,237 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,363Employer $ per active participant
$7,230Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$267.7MNet plan assets, end of year
$92,518Average balance per account
Score breakdown
- Employer generosity19.6 / 5039th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 62th |
| Employee saving | 37th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,524 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Kci Technologies put in about $2,363 per active participant, below the typical peer ($3,082). 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 | $5,286,373 |
| Participant (employee) contributions | $16,174,092 |
| Other contributions (incl. rollovers in) | $21,276,242 |
| Administrative expenses paid from the plan | $382,921 |
| Investment advisory & management fees | $49,458 |
| Other admin expenses | $254,651 |
| Benefits paid out | $22,590,688 |
| Net assets, start / end of year | $218.6M / $267.7M |
| Active participants, start / end of year | 2,135 / 2,339 |
| Participants with account balances | 2,894 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sc&h Attest Services P.C. |
Largest service providers (Schedule C)
| Acec Retirement Trust | $253,940 reported compensation |
| Empower Annuity Insurance Company O | $78,812 reported compensation |
| Empower Advisory Group, LLC | $49,458 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250807163129NAL0008701522001, received 2025-08-07, EIN 52-1604386, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.