Servco Pacific Inc. 401(k) Review & Grade
Employees Profit Sharing Retirement Plan of Servco Pacific Inc. and Subsidiaries
Honolulu, HIRetail Trade1,138 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,713Employer $ per active participant
$8,391Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$227.9MNet plan assets, end of year
$140,482Average balance per account
Score breakdown
- Employer generosity46.1 / 5092th percentile for employer $ per participant
- Low cost20.9 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 84th |
| Employee saving | 98th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,279 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Servco Pacific put in about $2,713 per active participant, more than the typical peer ($743). 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 | $3,087,731 |
| Participant (employee) contributions | $9,548,740 |
| Other contributions (incl. rollovers in) | $320,818 |
| Administrative expenses paid from the plan | $133,966 |
| Investment advisory & management fees | $49,262 |
| Benefits paid out | $15,534,618 |
| Net assets, start / end of year | $202.2M / $227.9M |
| Active participants, start / end of year | 1,086 / 1,190 |
| Participants with account balances | 1,622 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kkdly LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $65,392 reported compensation |
| Strategic Advisors, Inc. | $49,262 reported compensation |
| Kkdly LLC | $19,895 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014202507NAL0007367986001, received 2025-10-14, EIN 99-0057870, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.