Soji Services Inc. 401(k) Review & Grade
Soji Services Inc. 401(k) P/S Plan · d/b/a Metroclean
Houston, TXAdministrative, Support & Staffing Services634 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$81Employer $ per active participant
$114Employee $ saved per active participant
0.72%Direct admin cost, % of plan assets
$161,431Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.4 / 5017th percentile for employer $ per participant
- Low cost3.1 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score15 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 12th |
| Employee saving | 6th |
| Peers that auto-enroll | 27% |
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
- Soji Services put in about $81 per active participant, below the typical peer ($712). 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.
- Direct plan expenses (0.72% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $51,450 |
| Participant (employee) contributions | $72,307 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $698 |
| Benefits paid out | $4,159 |
| Net assets, start / end of year | $32,417 / $161,431 |
| Active participants, start / end of year | 669 / 599 |
| Participants with account balances | 17 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250618083503NAL0005392642001, received 2025-06-18, EIN 20-0415595, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.