Evercommerce Solutions, Inc. 401(k) Review & Grade
Evercommerce Solutions, Inc. 401(k) Profit Sharing Plan
Denver, COFinance & Insurance1,612 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,064Employer $ per active participant
$6,195Employee $ saved per active participant
0.52%Direct admin cost, % of plan assets
$81.1MNet plan assets, end of year
$49,498Average balance per account
Score breakdown
- Employer generosity19.9 / 5040th percentile for employer $ per participant
- Low cost5.5 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 22th |
| Employee saving | 38th |
| Peers that auto-enroll | 62% |
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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 ($409,596 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Evercommerce Solutions put in about $3,064 per active participant, below the typical peer ($3,606). 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.
- Direct plan expenses (0.52% 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.
- 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 | $4,937,037 |
| Participant (employee) contributions | $9,982,588 |
| Other contributions (incl. rollovers in) | $2,089,308 |
| Administrative expenses paid from the plan | $377,062 |
| Investment advisory & management fees | $121,071 |
| Benefits paid out | $10,139,941 |
| Net assets, start / end of year | $64.1M / $81.1M |
| Active participants, start / end of year | 1,649 / 1,574 |
| Participants with account balances | 1,638 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Brock and Company, Cpas, P.C. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $240,716 reported compensation |
| Empower Advisory Group, LLC | $119,321 reported compensation |
| Brock and Company Cpas PC | $15,275 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013154824NAL0001653793001, received 2025-10-13, EIN 26-2254146, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.