WTS International, LLC 401(k) Review & Grade
Arch Amenities Group 401(k) Savings Plan
Rockville, MDProfessional, Scientific & Technical Services3,462 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$458Employer $ per active participant
$965Employee $ saved per active participant
0.89%Direct admin cost, % of plan assets
$17.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.3 / 5017th percentile for employer $ per participant
- Low cost1.4 / 256th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score14 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 6th |
| Employee saving | 8th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- WTS International put in about $458 per active participant, below the typical peer ($2,951). 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 (0.89% of assets) are well above similar-size plans (0.12%). 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 | $1,584,148 |
| Participant (employee) contributions | $3,341,329 |
| Other contributions (incl. rollovers in) | $1,072,894 |
| Administrative expenses paid from the plan | $129,444 |
| Contract administrator fees | $90,797 |
| Investment advisory & management fees | $38,647 |
| Benefits paid out | $2,343,669 |
| Net assets, start / end of year | $11.7M / $17.2M |
| Active participants, start / end of year | 3,430 / 3,494 |
| Participants with account balances | 772 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Deleon and Stang Cpas |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $90,796 reported compensation |
| Creative Planning, LLC | $38,659 reported compensation |
| Creative Planning, LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251024133651NAL0001782867001, received 2025-10-24, EIN 52-0965126, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.