Eden Housing, Inc. 401(k) Review & Grade
Eden Housing, Inc. 401(k) Profit Sharing Plan
Hayward, CAOther Services524 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,568Employer $ per active participant
$5,183Employee $ saved per active participant
0.45%Direct admin cost, % of plan assets
$34.4MNet plan assets, end of year
$52,355Average balance per account
Score breakdown
- Employer generosity42.5 / 5085th percentile for employer $ per participant
- Low cost6.6 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 26th |
| Employee saving | 76th |
| Peers that auto-enroll | 40% |
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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
- Eden Housing put in about $3,568 per active participant, more than the typical peer ($1,257). 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.
- Direct plan expenses (0.45% of assets) are well above similar-size plans (0.23%). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,869,401 |
| Participant (employee) contributions | $2,715,712 |
| Other contributions (incl. rollovers in) | $354,119 |
| Administrative expenses paid from the plan | $140,955 |
| Contract administrator fees | $66,092 |
| Investment advisory & management fees | $29,945 |
| Other admin expenses | $44,918 |
| Benefits paid out | $1,737,665 |
| Net assets, start / end of year | $27.7M / $34.4M |
| Active participants, start / end of year | 524 / 524 |
| Participants with account balances | 657 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Merrill Lynch Pierce Fenner & Smith | $74,902 reported compensation |
| Principal Life Insurance Company | $66,092 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251224115742NAL0017986160001, received 2025-12-24, EIN 23-1716750, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.