Total Safety U.S., Inc. 401(k) Review & Grade
Total Safety U. S. , Inc. 401(k) Retirement Plan
Pasadena, TXManufacturing1,870 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$308Employer $ per active participant
$1,963Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$53.0MNet plan assets, end of year
$53,631Average balance per account
Score breakdown
- Employer generosity2.0 / 504th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score15 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 31th |
| Employee saving | 11th |
| 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
- Total Safety U.S. put in about $308 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.
- 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 | $576,859 |
| Participant (employee) contributions | $3,672,127 |
| Other contributions (incl. rollovers in) | $750,880 |
| Administrative expenses paid from the plan | $196,619 |
| Contract administrator fees | $158,183 |
| Investment advisory & management fees | $35,036 |
| Other admin expenses | $3,400 |
| Benefits paid out | $5,282,921 |
| Net assets, start / end of year | $47.9M / $53.0M |
| Active participants, start / end of year | 1,773 / 1,968 |
| Participants with account balances | 988 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Harper & Pearson Company, P.C. |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $162,030 reported compensation |
| Gallagher Benefit Services, Inc. | $42,349 reported compensation |
| Voya Retirement Advisors, LLC | $34,588 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008162958NAL0003429843001, received 2025-10-08, EIN 37-1478877, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.