Pillsbury Winthrop Shaw Pittman LLP 401(k) Review & Grade
Pillsbury Winthrop Shaw Pittman LLP Retirement Savings Plan No. 1
San Francisco, CAProfessional, Scientific & Technical Services1,157 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,794Employer $ per active participant
$17,725Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$1.2BNet plan assets, end of year
$511,402Average balance per account
Score breakdown
- Employer generosity45.3 / 5091th percentile for employer $ per participant
- Low cost24.7 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving14.4 / 1596th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 99th |
| Employee saving | 96th |
| Peers that auto-enroll | 48% |
Red flags from the filing
Corrective distributions: the plan refunded $2,771 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pillsbury Winthrop Shaw Pittman LLP put in about $9,794 per active participant, more than the typical peer ($3,082). 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 | $11,331,611 |
| Participant (employee) contributions | $20,507,624 |
| Other contributions (incl. rollovers in) | $14,230,942 |
| Administrative expenses paid from the plan | $57,342 |
| Investment advisory & management fees | $27,791 |
| Other admin expenses | $9,251 |
| Benefits paid out | $91,774,200 |
| Net assets, start / end of year | $1.0B / $1.2B |
| Active participants, start / end of year | 1,150 / 1,164 |
| Participants with account balances | 2,275 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Miller Kaplan Arase LLP |
Largest service providers (Schedule C)
| Violich Capital Management | $22,201 reported compensation |
| Oneamerica Retirement Services LLC | $20,300 reported compensation |
| Pittenger Anderson, Inc. | $5,632 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015200528NAL0011341362001, received 2025-10-15, EIN 94-1311126, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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