Service Access & Management, Inc. 401(k) Review & Grade
Service Access & Management, Inc. Employees' 401(k) Plan
Pottsville, PAProfessional, Scientific & Technical Services806 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,536Employer $ per active participant
$3,305Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$43.1MNet plan assets, end of year
$48,283Average balance per account
Score breakdown
- Employer generosity13.7 / 5027th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1516th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 39th |
| Employee saving | 16th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $11,828 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Service Access & Management put in about $1,536 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.
- 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 | $1,238,349 |
| Participant (employee) contributions | $2,663,738 |
| Other contributions (incl. rollovers in) | $189,397 |
| Administrative expenses paid from the plan | $126,633 |
| Investment advisory & management fees | $89,158 |
| Benefits paid out | $3,885,915 |
| Net assets, start / end of year | $38.4M / $43.1M |
| Active participants, start / end of year | 820 / 792 |
| Participants with account balances | 892 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RKL LLP |
Largest service providers (Schedule C)
| Commonwealth Financial Network | $89,158 reported compensation |
| Wipfli LLP | $32,798 reported compensation |
| Nationwide | $24,628 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260324075927NAL0002298737001, received 2026-03-24, EIN 23-2897133, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.