The Judge Group, Inc. 401(k) Review & Grade
The Judge Group, Inc., 401(k) Profit Sharing Plan
Wayne, PAProfessional, Scientific & Technical Services2,606 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$208Employer $ per active participant
$3,966Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$86.2MNet plan assets, end of year
$11,836Average balance per account
Score breakdown
- Employer generosity5.9 / 5012th percentile for employer $ per participant
- Low cost5.5 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 22th |
| Employee saving | 22th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $108,749 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Judge Group put in about $208 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.
- Direct plan expenses (0.31% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $541,395 |
| Participant (employee) contributions | $10,337,967 |
| Other contributions (incl. rollovers in) | $320,263 |
| Administrative expenses paid from the plan | $249,314 |
| Investment advisory & management fees | $57,288 |
| Benefits paid out | $9,865,228 |
| Net assets, start / end of year | $74.4M / $86.2M |
| Active participants, start / end of year | 2,940 / 2,273 |
| Participants with account balances | 7,287 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdg-Cpas |
Largest service providers (Schedule C)
| Jpmorgan Invest Holdings LLC | $192,026 reported compensation |
| Wealth Advisory Group Inc | $57,288 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010165320NAL0008041249001, received 2025-10-10, EIN 23-1726661, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.