ZT Group Int'l, Inc. 401(k) Review & Grade
ZT Group Int'l, Inc 401(k) Profit Sharing Plan
Secaucus, NJProfessional, Scientific & Technical Services1,908 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,586Employer $ per active participant
$7,112Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$128.4MNet plan assets, end of year
$75,812Average balance per account
Score breakdown
- Employer generosity29.5 / 5059th percentile for employer $ per participant
- Low cost15.6 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score51 / 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 | 59th |
| Lower admin cost | 63th |
| Employee saving | 36th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,406 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- ZT Group Int'l put in about $3,586 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.
- 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 | $6,844,053 |
| Participant (employee) contributions | $13,572,804 |
| Other contributions (incl. rollovers in) | $2,912,373 |
| Administrative expenses paid from the plan | $171,665 |
| Investment advisory & management fees | $88,869 |
| Other admin expenses | $7,812 |
| Benefits paid out | $9,484,504 |
| Net assets, start / end of year | $95.6M / $128.4M |
| Active participants, start / end of year | 1,671 / 2,146 |
| Participants with account balances | 1,694 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmith and Brown PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $71,426 reported compensation |
| Empower Annuity Insurance Co. | $55,839 reported compensation |
| Mma Securities LLC | $50,543 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260304075250NAL0001876163001, received 2026-03-04, EIN 22-3624064, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.