Titan Security Services, Inc. 401(k) Review & Grade
Titan Security Services Pension Plan
Chicago, ILProfessional, Scientific & Technical Services1,690 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$306Employer $ per active participant
$563Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$8.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.3 / 5011th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score12 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 31th |
| Employee saving | 3th |
| Peers that auto-enroll | 48% |
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
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Titan Security Services put in about $306 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.
- Direct plan expenses (0.39% 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 | $517,485 |
| Participant (employee) contributions | $951,288 |
| Other contributions (incl. rollovers in) | $531,606 |
| Administrative expenses paid from the plan | $30,998 |
| Contract administrator fees | $30,998 |
| Benefits paid out | $691,102 |
| Net assets, start / end of year | $6.9M / $8.9M |
| Active participants, start / end of year | 1,811 / 1,570 |
| Participants with account balances | 294 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | CJG Partners LLP |
Largest service providers (Schedule C)
| Ascensus LLC | $30,998 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013152358NAL0001614449001, received 2025-10-13, EIN 36-3955612, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.