Relx Inc. 401(k) Review & Grade
Relx Inc. US Salary Investment Plan
New York, NYInformation13,878 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,046Employer $ per active participant
$10,471Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$4.2BNet plan assets, end of year
$217,040Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost18.6 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Information plans with 10,000+ active participants (30 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 74th |
| Employee saving | 48th |
| Peers that auto-enroll | 60% |
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Red flags from the filing
Corrective distributions: the plan refunded $77,044 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Relx put in about $6,046 per active participant, more than the typical peer ($5,217). 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 | $83,897,615 |
| Participant (employee) contributions | $145,314,001 |
| Other contributions (incl. rollovers in) | $16,544,640 |
| Administrative expenses paid from the plan | $1,796,526 |
| Investment advisory & management fees | $1,156,522 |
| Other admin expenses | $4,300 |
| Benefits paid out | $340,459,008 |
| Net assets, start / end of year | $3.7B / $4.2B |
| Active participants, start / end of year | 14,111 / 13,644 |
| Participants with account balances | 19,122 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $1,156,522 reported compensation |
| Empower Annuity Insurance Company | $492,128 reported compensation |
| Proskauer Rose LLP | $56,762 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250702090920NAL0013431489001, received 2025-07-02, EIN 52-1471842, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.