Titan Security Services, Inc. 401(k) Review & Grade
Titan Security Services Union Pension Plan
Chicago, ILAdministrative, Support & Staffing Services806 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$11Employer $ per active participant
$227Employee $ saved per active participant
4.77%Direct admin cost, % of plan assets
$677,266Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.4 / 5011th percentile for employer $ per participant
- Low cost0.0 / 250th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score5 / 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 | 11th |
| Lower admin cost | 0th |
| Employee saving | 11th |
| Peers that auto-enroll | 27% |
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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 $11 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 (4.77% 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 | $8,693 |
| Participant (employee) contributions | $183,076 |
| Other contributions (incl. rollovers in) | $13,086 |
| Administrative expenses paid from the plan | $27,352 |
| Contract administrator fees | $27,352 |
| Benefits paid out | $51,163 |
| Net assets, start / end of year | $469,077 / $677,266 |
| Active participants, start / end of year | 874 / 738 |
| Participants with account balances | 294 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | CJG Partners LLP |
Largest service providers (Schedule C)
| Ascensus LLC | $27,352 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103743NAL0001245171001, received 2025-10-14, EIN 36-3955612, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.