Shi International Corp 401(k) Review & Grade
Shi International Corp 401(k) Savings Plan
Somerset, NJProfessional, Scientific & Technical Services6,013 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,103Employer $ per active participant
$10,384Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$850.2MNet plan assets, end of year
$122,161Average balance per account
Score breakdown
- Employer generosity19.1 / 5038th percentile for employer $ per participant
- Low cost16.6 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 66th |
| Employee saving | 58th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $915 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Shi International put in about $2,103 per active participant, below the typical peer ($2,951). 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.
- 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 | $12,645,938 |
| Participant (employee) contributions | $62,436,837 |
| Other contributions (incl. rollovers in) | $8,711,055 |
| Administrative expenses paid from the plan | $570,066 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $195,707 |
| Benefits paid out | $73,472,726 |
| Net assets, start / end of year | $672.7M / $850.2M |
| Active participants, start / end of year | 6,474 / 5,552 |
| Participants with account balances | 6,960 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $254,317 reported compensation |
| Strategic Advisors, Inc. | $195,707 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015153701NAL0006784480001, received 2025-10-15, EIN 22-3009648, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.