Woolpert, Inc. 401(k) Review & Grade
Woolpert 401(k) Plan
Dayton, OHProfessional, Scientific & Technical Services1,708 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,409Employer $ per active participant
$8,277Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$247.8MNet plan assets, end of year
$109,788Average balance per account
Score breakdown
- Employer generosity19.9 / 5040th percentile for employer $ per participant
- Low cost21.6 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1544th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 86th |
| Employee saving | 44th |
| Peers that auto-enroll | 48% |
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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
- Woolpert put in about $2,409 per active participant, below the typical peer ($3,082). 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.
- 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 | $4,113,482 |
| Participant (employee) contributions | $14,132,674 |
| Other contributions (incl. rollovers in) | $1,945,926 |
| Administrative expenses paid from the plan | $114,744 |
| Benefits paid out | $16,647,205 |
| Net assets, start / end of year | $186.7M / $247.8M |
| Active participants, start / end of year | 1,621 / 1,794 |
| Participants with account balances | 2,257 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Flagel, Huber, Flagel |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $203,261 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015135048NAL0009919954001, received 2025-10-15, EIN 20-1391406, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.