Experian, Inc. 401(k) Review & Grade
Experian Personal Investment Plan
Costa Mesa, CAFinance & Insurance6,310 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,387Employer $ per active participant
$11,613Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$1.7BNet plan assets, end of year
$215,218Average balance per account
Score breakdown
- Employer generosity30.6 / 5061th percentile for employer $ per participant
- Low cost22.8 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 91th |
| Employee saving | 81th |
| Peers that auto-enroll | 66% |
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Red flags from the filing
Corrective distributions: the plan refunded $15,154 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Experian put in about $5,387 per active participant, more than the typical peer ($4,489). 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 | $33,994,294 |
| Participant (employee) contributions | $73,286,326 |
| Other contributions (incl. rollovers in) | $15,510,589 |
| Administrative expenses paid from the plan | $442,083 |
| Contract administrator fees | $2,700 |
| Other admin expenses | $128,722 |
| Benefits paid out | $141,457,456 |
| Net assets, start / end of year | $1.5B / $1.7B |
| Active participants, start / end of year | 6,456 / 6,165 |
| Participants with account balances | 7,852 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $313,361 reported compensation |
| Concurrent Investment Advisors, LL | $70,000 reported compensation |
| Marsh & Mclennan Companies, Inc | $34,483 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925095643NAL0008387329001, received 2025-09-25, EIN 31-1343192, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.