Sdi Services LLC 401(k) Review & Grade
Sdi Services LLC 401(k) Plan
Scottsdale, AZHealth Care & Social Assistance629 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,692Employer $ per active participant
$4,136Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$44.7MNet plan assets, end of year
$57,638Average balance per account
Score breakdown
- Employer generosity32.5 / 5065th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 54th |
| Employee saving | 70th |
| Peers that auto-enroll | 36% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Sdi Services put in about $1,692 per active participant, more than the typical peer ($976). 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 | $1,064,275 |
| Participant (employee) contributions | $2,601,733 |
| Other contributions (incl. rollovers in) | $216,536 |
| Administrative expenses paid from the plan | $87,150 |
| Contract administrator fees | $35,910 |
| Investment advisory & management fees | $51,240 |
| Benefits paid out | $5,017,919 |
| Net assets, start / end of year | $40.4M / $44.7M |
| Active participants, start / end of year | 619 / 639 |
| Participants with account balances | 775 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars |
Largest service providers (Schedule C)
| Stancorp Financial Group | $86,030 reported compensation |
| Global Retirement Partners, LLC | $51,240 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008151208NAL0005744401001, received 2025-10-08, EIN 82-2865603, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.