Sage Publications, Inc. 401(k) Review & Grade
Sage Publications, Inc. 401(k) Profit Sharing Plan
Thousand Oaks, CAInformation722 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,761Employer $ per active participant
$10,591Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$149.8MNet plan assets, end of year
$153,992Average balance per account
Score breakdown
- Employer generosity42.9 / 5086th percentile for employer $ per participant
- Low cost16.1 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 64th |
| Employee saving | 62th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Sage Publications put in about $5,761 per active participant, more than the typical peer ($2,829). 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 | $4,156,282 |
| Participant (employee) contributions | $7,641,188 |
| Other contributions (incl. rollovers in) | $151,003 |
| Administrative expenses paid from the plan | $201,895 |
| Contract administrator fees | $14,025 |
| Investment advisory & management fees | $171,103 |
| Other admin expenses | $1,767 |
| Benefits paid out | $11,848,329 |
| Net assets, start / end of year | $131.4M / $149.8M |
| Active participants, start / end of year | 725 / 718 |
| Participants with account balances | 973 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Voya Retirement Advisors, LLC | $82,565 reported compensation |
| Alliant Retirement Services LLC | $65,000 reported compensation |
| Voya Retirement Insurance & Annuity | $39,330 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014160325NAL0001627571001, received 2025-10-14, EIN 95-2454902, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.