Compass, Inc. 401(k) Review & Grade
Compass 401(k) Plan
New York, NYReal Estate & Rental2,746 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4Employer $ per active participant
$8,144Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$172.2MNet plan assets, end of year
$42,785Average balance per account
Score breakdown
- Employer generosity1.0 / 502th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 2th |
| Lower admin cost | 39th |
| Employee saving | 86th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($364,730 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $6,654 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Compass put in about $4 per active participant, below the typical peer ($1,141). 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.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $11,427 |
| Participant (employee) contributions | $22,358,878 |
| Other contributions (incl. rollovers in) | $6,038,614 |
| Administrative expenses paid from the plan | $272,828 |
| Investment advisory & management fees | $28,017 |
| Other admin expenses | $103,465 |
| Benefits paid out | $18,687,312 |
| Net assets, start / end of year | $136.9M / $172.2M |
| Active participants, start / end of year | 2,737 / 2,754 |
| Participants with account balances | 4,025 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $78,816 reported compensation |
| Creative Planning LLC | $56,250 reported compensation |
| Marsh & Mclennan Companies, Inc. | $40,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013093439NAL0000938433001, received 2025-10-13, EIN 30-0751604, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.