TK Services, Inc. 401(k) Review & Grade
Sonsray 401(k) Profit Sharing Plan
Torrance, CAManufacturing588 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,234Employer $ per active participant
$6,882Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$36.0MNet plan assets, end of year
$52,600Average balance per account
Score breakdown
- Employer generosity11.8 / 5024th percentile for employer $ per participant
- Low cost9.6 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 38th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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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
- TK Services put in about $1,234 per active participant, below the typical peer ($2,320). 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.
- 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.
- 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 | $725,631 |
| Participant (employee) contributions | $4,046,814 |
| Other contributions (incl. rollovers in) | $705,798 |
| Administrative expenses paid from the plan | $105,586 |
| Investment advisory & management fees | $20,000 |
| Benefits paid out | $3,334,348 |
| Net assets, start / end of year | $30.1M / $36.0M |
| Active participants, start / end of year | 558 / 618 |
| Participants with account balances | 685 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Green Hasson & Janks LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $85,586 reported compensation |
| Global Retirement Partners LLC | $20,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922194656NAL0004985169001, received 2025-09-22, EIN 54-2086366, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.