NTS Technical Systems DBA National Technical Systems 401(k) Review & Grade
NTS Technical Systems, LLC 401(k) Profit Sharing Plan
Belcamp, MDProfessional, Scientific & Technical Services685 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,146Employer $ per active participant
$3,106Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$65.0MNet plan assets, end of year
$70,323Average balance per account
Score breakdown
- Employer generosity10.8 / 5022th percentile for employer $ per participant
- Low cost18.9 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1515th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 75th |
| Employee saving | 15th |
| 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
- NTS Technical Systems DBA National Technical Systems put in about $1,146 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 | $784,751 |
| Participant (employee) contributions | $2,127,595 |
| Other contributions (incl. rollovers in) | $495,974 |
| Administrative expenses paid from the plan | $85,256 |
| Contract administrator fees | $85,256 |
| Benefits paid out | $9,544,558 |
| Net assets, start / end of year | $115.5M / $65.0M |
| Active participants, start / end of year | 1,080 / 290 |
| Participants with account balances | 925 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Ameriprise Financial Services | $97,373 reported compensation |
| Empower Advisory Group, LLC | $59,424 reported compensation |
| The Ryding Company | $28,136 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260211101402NAL0003754865001, received 2026-02-11, EIN 95-2780647, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.