VMD Systems Integrators, Inc. 401(k) Review & Grade
VMD Systems Integrators, Inc. 401(k) Profit Sharing Plan and Trust
Fairfax, VAProfessional, Scientific & Technical Services637 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7,816Employer $ per active participant
$3,857Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$39.3MNet plan assets, end of year
$39,262Average balance per account
Score breakdown
- Employer generosity43.1 / 5086th percentile for employer $ per participant
- Low cost8.8 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 35th |
| Employee saving | 19th |
| Peers that auto-enroll | 48% |
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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
- VMD Systems Integrators put in about $7,816 per active participant, more than the typical peer ($3,082). 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.
- Direct plan expenses (0.35% 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 | $4,978,726 |
| Participant (employee) contributions | $2,457,067 |
| Other contributions (incl. rollovers in) | $280,471 |
| Administrative expenses paid from the plan | $125,625 |
| Investment advisory & management fees | $40,667 |
| Benefits paid out | $4,963,033 |
| Net assets, start / end of year | $32.3M / $39.3M |
| Active participants, start / end of year | 592 / 682 |
| Participants with account balances | 1,001 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $84,958 reported compensation |
| Kestra Investment Services LLC | $25,000 reported compensation |
| Usi Advisors Inc | $15,667 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014185550NAL0001775843001, received 2025-10-14, EIN 04-3671521, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.