Kilpatrick Townsend & Stockton LLP 401(k) Review & Grade
Kilpatrick Townsend & Stockton LLP Ret Sav Plan-Plan 2
Atlanta, GAProfessional, Scientific & Technical Services538 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$12,258Employer $ per active participant
$5,780Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$105.0MNet plan assets, end of year
$149,989Average balance per account
Score breakdown
- Employer generosity47.1 / 5094th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving4.4 / 1529th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 91th |
| Employee saving | 29th |
| 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
- Kilpatrick Townsend & Stockton LLP put in about $12,258 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.
- 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 | $6,601,155 |
| Participant (employee) contributions | $3,112,600 |
| Other contributions (incl. rollovers in) | $506,362 |
| Administrative expenses paid from the plan | $37,455 |
| Investment advisory & management fees | $15,923 |
| Other admin expenses | $256 |
| Benefits paid out | $11,824,758 |
| Net assets, start / end of year | $93.7M / $105.0M |
| Active participants, start / end of year | 507 / 570 |
| Participants with account balances | 700 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bennett Thrasher LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $21,376 reported compensation |
| Strategic Advisors, Inc. | $15,923 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013194003NAL0000922179001, received 2025-10-13, EIN 58-0511774, plan #009, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.