Pinnacle Technical Resources, Inc. 401(k) Review & Grade
Pinnacle Technical Resources 401(k) Plan
Dallas, TXProfessional, Scientific & Technical Services2,372 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$121Employer $ per active participant
$3,257Employee $ saved per active participant
0.45%Direct admin cost, % of plan assets
$49.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.7 / 507th percentile for employer $ per participant
- Low cost6.6 / 2527th percentile for low admin cost vs. same-size plans
- Employee saving2.4 / 1516th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-23 pts3 issues reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 27th |
| Employee saving | 16th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($7,081 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $8,520 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pinnacle Technical Resources put in about $121 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.
- Direct plan expenses (0.45% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $287,842 |
| Participant (employee) contributions | $7,726,750 |
| Other contributions (incl. rollovers in) | $2,509,148 |
| Administrative expenses paid from the plan | $198,046 |
| Investment advisory & management fees | $64,982 |
| Benefits paid out | $5,990,468 |
| Net assets, start / end of year | $38.8M / $49.4M |
| Active participants, start / end of year | 2,029 / 2,715 |
| Participants with account balances | 1,143 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $133,064 reported compensation |
| Osaic Wealth Inc | $56,320 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001145735NAL0013383521001, received 2025-10-01, EIN 75-2674696, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.