Pros, Inc. 401(k) Review & Grade
Pros, Inc. 401(k) Plan
Houston, TXProfessional, Scientific & Technical Services752 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,904Employer $ per active participant
$13,790Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$218.6MNet plan assets, end of year
$202,388Average balance per account
Score breakdown
- Employer generosity36.2 / 5072th percentile for employer $ per participant
- Low cost20.1 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 80th |
| Employee saving | 83th |
| 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
- Pros put in about $4,904 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.
- 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 | $3,687,606 |
| Participant (employee) contributions | $10,369,762 |
| Other contributions (incl. rollovers in) | $1,030,727 |
| Administrative expenses paid from the plan | $149,843 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $67,500 |
| Other admin expenses | $11,700 |
| Benefits paid out | $16,424,795 |
| Net assets, start / end of year | $185.7M / $218.6M |
| Active participants, start / end of year | 772 / 732 |
| Participants with account balances | 1,080 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Robertson & Robertson PLLC |
Largest service providers (Schedule C)
| Creative Planning, LLC | $67,500 reported compensation |
| Fidelity Investments Institutional | $56,643 reported compensation |
| Robertson & Robertson PLLC | $14,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006075108NAL0005647472001, received 2025-10-06, EIN 45-5498401, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.