Triad National Security, LLC 401(k) Review & Grade
Triad 401(k) Retirement Plan
Los Alamos, NMProfessional, Scientific & Technical Services12,316 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$12,090Employer $ per active participant
$12,496Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$2.5BNet plan assets, end of year
$155,666Average balance per account
Score breakdown
- Employer generosity50.0 / 50100th percentile for employer $ per participant
- Low cost20.4 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving12.0 / 1580th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 81th |
| Employee saving | 80th |
| Peers that auto-enroll | 39% |
Red flags from the filing
Corrective distributions: the plan refunded $300,736 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Triad National Security put in about $12,090 per active participant, more than the typical peer ($2,932). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $148,897,085 |
| Participant (employee) contributions | $153,896,258 |
| Other contributions (incl. rollovers in) | $26,354,693 |
| Administrative expenses paid from the plan | $752,372 |
| Contract administrator fees | $72,234 |
| Investment advisory & management fees | $104,236 |
| Other admin expenses | −$193,949 |
| Benefits paid out | $136,248,285 |
| Net assets, start / end of year | $2.0B / $2.5B |
| Active participants, start / end of year | 11,744 / 12,888 |
| Participants with account balances | 16,009 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $563,502 reported compensation |
| Bny Mellon Asset Servicing | $148,860 reported compensation |
| Mercer | $104,236 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930175958NAL0005621491001, received 2025-09-30, EIN 82-3291283, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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