Tarian Group, LLC 401(k) Review & Grade
Tarian 401k Plan
Denver, COAdministrative, Support & Staffing Services5,852 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$0Employer $ per active participant
$242Employee $ saved per active participant
0.72%Direct admin cost, % of plan assets
$8.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.4 / 509th percentile for employer $ per participant
- Low cost1.9 / 258th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score2 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 9th |
| Lower admin cost | 8th |
| Employee saving | 20th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($34,198 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Tarian Group put in about $0 per active participant, below the typical peer ($342). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.72% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $734 |
| Participant (employee) contributions | $1,418,508 |
| Other contributions (incl. rollovers in) | $429,858 |
| Administrative expenses paid from the plan | $63,407 |
| Contract administrator fees | $63,407 |
| Benefits paid out | $3,287,899 |
| Net assets, start / end of year | $9.0M / $8.7M |
| Active participants, start / end of year | 4,828 / 6,875 |
| Participants with account balances | 657 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $63,406 reported compensation |
| Intellicents Investment Solutions | $14,017 reported compensation |
| Creative Planning, Inc. | $8,512 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014163930NAL0004549536001, received 2025-10-14, EIN 84-1098613, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.