Resolution Life Services US Inc. 401(k) Review & Grade
Resolution Life Services (US) 401(k) Plan
West Chester, PAFinance & Insurance545 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,967Employer $ per active participant
$12,834Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$77.6MNet plan assets, end of year
$126,023Average balance per account
Score breakdown
- Employer generosity45.2 / 5090th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 94th |
| Employee saving | 85th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,733 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Resolution Life Services US put in about $8,967 per active participant, more than the typical peer ($3,606). 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 | $4,887,238 |
| Participant (employee) contributions | $6,994,262 |
| Other contributions (incl. rollovers in) | $3,819,494 |
| Administrative expenses paid from the plan | $16,032 |
| Contract administrator fees | $6,850 |
| Investment advisory & management fees | $7,732 |
| Other admin expenses | $1,450 |
| Benefits paid out | $3,620,974 |
| Net assets, start / end of year | $56.9M / $77.6M |
| Active participants, start / end of year | 573 / 517 |
| Participants with account balances | 616 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $51,019 reported compensation |
| Morningstar | $34,987 reported compensation |
| Voya Retirement Advisors, LLC | $7,085 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250905112658NAL0010319763001, received 2025-09-05, EIN 82-3607953, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.