Emprise Group, Inc. 401(k) Review & Grade
Emprise Group, Inc. 401(k) Plan
ST. Louis, MOManufacturing1,293 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,708Employer $ per active participant
$3,276Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$85.4MNet plan assets, end of year
$49,170Average balance per account
Score breakdown
- Employer generosity17.8 / 5036th percentile for employer $ per participant
- Low cost15.7 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 63th |
| Employee saving | 26th |
| Peers that auto-enroll | 59% |
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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
- Emprise Group put in about $1,708 per active participant, below the typical peer ($2,320). 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.
- 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 | $2,208,641 |
| Participant (employee) contributions | $4,236,102 |
| Other contributions (incl. rollovers in) | $439,956 |
| Administrative expenses paid from the plan | $126,017 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $32,500 |
| Benefits paid out | $11,167,925 |
| Net assets, start / end of year | $79.3M / $85.4M |
| Active participants, start / end of year | 1,158 / 1,428 |
| Participants with account balances | 1,736 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $80,497 reported compensation |
| Global Retirement Partners LLC | $24,375 reported compensation |
| BKD | $13,020 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014165840NAL0003342321001, received 2025-10-14, EIN 85-2687843, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.