Entergy Corporation 401(k) Review & Grade
Savings Plan of Entergy Corporation and Subsidiaries Viii
New Orleans, LAUtilities2,461 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,658Employer $ per active participant
$7,408Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$111.8MNet plan assets, end of year
$39,821Average balance per account
Score breakdown
- Employer generosity33.1 / 5066th percentile for employer $ per participant
- Low cost14.1 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Utilities plans with 500–2,499 active participants (75 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 56th |
| Employee saving | 20th |
| Peers that auto-enroll | 76% |
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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
- Entergy put in about $7,658 per active participant, more than the typical peer ($6,264). 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.
- 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 | $18,846,299 |
| Participant (employee) contributions | $18,232,119 |
| Other contributions (incl. rollovers in) | $5,727,906 |
| Administrative expenses paid from the plan | $162,844 |
| Contract administrator fees | $76,162 |
| Investment advisory & management fees | $44,202 |
| Benefits paid out | $5,532,305 |
| Net assets, start / end of year | $63.2M / $111.8M |
| Active participants, start / end of year | 2,261 / 2,661 |
| Participants with account balances | 2,807 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte and Touche |
Largest service providers (Schedule C)
| T. Rowe Price RPS, Inc. | $76,162 reported compensation |
| Deloitte and Touche LLP | $30,670 reported compensation |
| Newport Trust Company | $30,405 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009125010NAL0003921747001, received 2025-10-09, EIN 72-1229752, plan #019, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.