Kearney & Company, P.C. 401(k) Review & Grade
Kearney & Co and E.f. Kearney LTD 401(k) Profit Sharing Plan
Alexandria, VAProfessional, Scientific & Technical Services1,004 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,115Employer $ per active participant
$9,808Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$116.1MNet plan assets, end of year
$107,334Average balance per account
Score breakdown
- Employer generosity17.5 / 5035th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1557th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 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 | 35th |
| Lower admin cost | 70th |
| Employee saving | 57th |
| 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
- Kearney & Company put in about $2,115 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.
- 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 | $2,123,951 |
| Participant (employee) contributions | $9,847,462 |
| Other contributions (incl. rollovers in) | $1,708,240 |
| Administrative expenses paid from the plan | $122,762 |
| Investment advisory & management fees | $46,465 |
| Benefits paid out | $5,460,098 |
| Net assets, start / end of year | $92.6M / $116.1M |
| Active participants, start / end of year | 981 / 1,027 |
| Participants with account balances | 1,082 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Councilor Buchanan and Mitchell |
Largest service providers (Schedule C)
| Adp, Inc. | $76,297 reported compensation |
| Global Retirement Partners | $46,465 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251011051103NAL0004619891001, received 2025-10-11, EIN 54-1603527, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.