Insight Enterprises, Inc. 401(k) Review & Grade
Insight Enterprises, Inc. 401(k) Plan
Chandler, AZRetail Trade6,376 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,456Employer $ per active participant
$9,664Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$941.5MNet plan assets, end of year
$109,339Average balance per account
Score breakdown
- Employer generosity46.2 / 5092th percentile for employer $ per participant
- Low cost17.1 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 69th |
| Employee saving | 98th |
| Peers that auto-enroll | 42% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $38,022 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Insight Enterprises put in about $2,456 per active participant, more than the typical peer ($650). 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 | $15,659,937 |
| Participant (employee) contributions | $61,617,739 |
| Other contributions (incl. rollovers in) | $14,880,273 |
| Administrative expenses paid from the plan | $602,550 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $107,794 |
| Other admin expenses | $78,750 |
| Benefits paid out | $105,620,136 |
| Net assets, start / end of year | $795.2M / $941.5M |
| Active participants, start / end of year | 6,405 / 6,347 |
| Participants with account balances | 8,611 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $421,167 reported compensation |
| Strategic Advisors, Inc. | $107,795 reported compensation |
| Sage View | $78,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014182814NAL0001758963001, received 2025-10-14, EIN 86-0766246, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.