Ssi (U.S.) Inc. DBA Spencer Stuart 401(k) Review & Grade
Spencer Stuart Retirement Benefits Plan
Chicago, ILProfessional, Scientific & Technical Services1,047 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$20,782Employer $ per active participant
$15,817Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$633.1MNet plan assets, end of year
$430,703Average balance per account
Score breakdown
- Employer generosity49.9 / 50100th percentile for employer $ per participant
- Low cost23.2 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1592th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score97 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 93th |
| Employee saving | 92th |
| Peers that auto-enroll | 48% |
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
- Ssi (U.S.) Inc. DBA Spencer Stuart put in about $20,782 per active participant, more than the typical peer ($3,082). 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 | $21,758,827 |
| Participant (employee) contributions | $16,560,450 |
| Other contributions (incl. rollovers in) | $825,190 |
| Administrative expenses paid from the plan | $185,491 |
| Investment advisory & management fees | $77,774 |
| Benefits paid out | $41,971,186 |
| Net assets, start / end of year | $568.4M / $633.1M |
| Active participants, start / end of year | 1,051 / 1,043 |
| Participants with account balances | 1,470 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $107,668 reported compensation |
| Cerity Partners LLC | $15,549 reported compensation |
| Pekin Hardy Strauss Inc | $14,606 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715084637NAL0002651105001, received 2026-07-15, EIN 36-3538416, plan #004, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.
Get notified when Ssi (U.S.) Inc. DBA Spencer Stuart's next filing posts
The most generous employers, the worst red flags, and plain-English 401(k) tips. One email a month.