Retirement plan

GDS ASSOCIATES, INC. 401(K) PROFIT SHARING & SALARY DEFERRAL PLAN

Name: GDS ASSOCIATES, INC. - GDS ASSOCIATES, INC. 401(K) PROFIT SHARING & SALARY DEFERRAL PLAN (2025) Form 5500
Creator: GDS ASSOCIATES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, GDS ASSOCIATES, INC. 401(K) PROFIT SHARING & SALARY DEFERRAL PLAN, GDS ASSOCIATES, INC.

GDS ASSOCIATES, INC.EIN 58-1659843Plan #001PY 2025

1850 PARKWAY PLACE, SUITE 800 - MARIETTA, GA 30067770-425-8100gdsassociates.comLinkedIn51-200 employeesutilities

Prospect flagsHigh feesHigh assets / participant

How to read this page

Total assets (EOY)

$94M

+12.3% from 2024

Total participants

237

+2.6% from 2024

Average account balance

$412,178

+13.8% from 2024

Annual return

15.84%

+2.96 pp from 2024

Benchmarks

See 2,863 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants100-249

Cohort2,863 peers

Snapshot2025

See peer percentile detail. $4.99 for your first month.

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Analytics

Total assets (EOY)

Plan-year ending balance

$93.98M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$412K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

228

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

95.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$4.81M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$25K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+15.84%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$475

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

See the 10-year trajectory. $4.99 for your first month.

Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.

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Service providers

Top 5 by compensation

Provider	Service type	Compensation
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036	Advisory (Plan)	$74,164
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 801115002	Recordkeeping Fees	$37,169
GREAT-WEST LIFE & ANNUITY INSURANCE4 years Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 801115002	Investment Management	$14,352
EPIC RETIREMENT PLAN SERVICES10+ years Filed as: RETIREMENT PLAN ADMINISTRATORS, LLC Service code 13	Contract Administrator	$9,999
EPIC RETIREMENT PLAN SERVICES10+ years Filed as: RETIREMENT PLAN ADMINISTRATORS LLC Service code 13 780 JOHNSON FERRY RD. STE 375 · ATLANTA, GA 303421434	Contract Administrator	$0

Plan features & details

Pension benefit codes2A2E2G2J2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$108K

$567 / participant

Contract admin$108K100.0%

% of EOY assets

0.115%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: FRAZIER & DEETER, LLC
Auditor EIN: 394469485
Audit fees: (not subdivided)
Opinion code: Unqualified

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Metric

This plan

Peer set

Industry

Size

Avg account balance

$412,178

$100,923+308.4%

$150,045+174.7%

$74,304+454.7%

Participation rate

95.3%

70.1%+25.2pp

82.3%+13.0pp

60.3%+34.9pp

Annual return

15.84%

51.77%-35.9pp

62.55%-46.7pp

29.43%-13.6pp

Employer contribution / active EE

$15,723

$3,463+354.0%

$4,693+235.0%

$2,241+601.6%

Participant deferral / active EE

$9,475

$6,709+41.2%

$7,997+18.5%

$3,767+151.5%

Admin fee / account holder

$475

$2,767-82.8%

$13,435-96.5%

$2,969-84.0%

Provider

Service type

Compensation

MORGAN STANLEY SMITH BARNEY2 years

Filed as: MORGAN STANLEY

Service code 27

1585 BROADWAY · NEW YORK, NY 10036

Advisory (Plan)

$74,164

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ANNUITY INSURANCE COMPANY

Service code 64

8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 801115002

Recordkeeping Fees

$37,169

GREAT-WEST LIFE & ANNUITY INSURANCE4 years

Filed as: EMPOWER ADVISORY GROUP, LLC

Service code 28

8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 801115002

Investment Management

$14,352

EPIC RETIREMENT PLAN SERVICES10+ years

Filed as: RETIREMENT PLAN ADMINISTRATORS, LLC

Service code 13

Contract Administrator

$9,999

EPIC RETIREMENT PLAN SERVICES10+ years

Filed as: RETIREMENT PLAN ADMINISTRATORS LLC

Service code 13

780 JOHNSON FERRY RD. STE 375 · ATLANTA, GA 303421434

Contract Administrator

GDS ASSOCIATES, INC. 401(K) PROFIT SHARING & SALARY DEFERRAL PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

GDS ASSOCIATES, INC. 401(K) PROFIT SHARING & SALARY DEFERRAL PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion