Daniel J. Edelman Holdings, Inc. 401(k) Review & Grade
Daniel J. Edelman Holdings, Inc. Profit Sharing Plan
Chicago, ILProfessional, Scientific & Technical Services3,160 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,201Employer $ per active participant
$10,665Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$543.7MNet plan assets, end of year
$98,703Average balance per account
Score breakdown
- Employer generosity26.7 / 5053th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 54th |
| Employee saving | 59th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $21,935 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Daniel J. Edelman Holdings put in about $3,201 per active participant, more than the typical peer ($2,951). 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 | $10,112,299 |
| Participant (employee) contributions | $33,697,218 |
| Other contributions (incl. rollovers in) | $2,596,197 |
| Administrative expenses paid from the plan | $561,846 |
| Other admin expenses | $561,846 |
| Benefits paid out | $44,591,225 |
| Net assets, start / end of year | $474.4M / $543.7M |
| Active participants, start / end of year | 3,203 / 3,116 |
| Participants with account balances | 5,508 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $321,452 reported compensation |
| Vanguard Advisers Inc. | $173,029 reported compensation |
| Captrust | $31,662 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006144820NAL0003836753001, received 2025-10-06, EIN 80-0830746, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.