Trimont LLC 401(k) Review & Grade
Trimont LLC 401(k) Plan
Atlanta, GAReal Estate & Rental704 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,356Employer $ per active participant
$5,413Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$74.6MNet plan assets, end of year
$160,391Average balance per account
Score breakdown
- Employer generosity42.8 / 5086th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1571th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 70th |
| Employee saving | 71th |
| Peers that auto-enroll | 47% |
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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
- Trimont put in about $3,356 per active participant, more than the typical peer ($1,279). 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 | $2,362,359 |
| Participant (employee) contributions | $3,810,650 |
| Other contributions (incl. rollovers in) | $895,195 |
| Administrative expenses paid from the plan | $79,800 |
| Investment advisory & management fees | $75,975 |
| Benefits paid out | $2,772,579 |
| Net assets, start / end of year | $61.0M / $74.6M |
| Active participants, start / end of year | 708 / 700 |
| Participants with account balances | 465 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| White Horse Advisors, LLC | $40,000 reported compensation |
| Bdo USA , LLP | $20,600 reported compensation |
| Adp, Inc. | $19,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010055447NAL0004014675001, received 2025-10-10, EIN 58-1524431, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.