Zimmer Gunsul Frasca Architects LLP 401(k) Review & Grade
Zimmer Gunsul Frasca Architects LLP 401(k) Savings Plan
Portland, ORProfessional, Scientific & Technical Services668 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,627Employer $ per active participant
$11,565Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$151.2MNet plan assets, end of year
$160,353Average balance per account
Score breakdown
- Employer generosity21.7 / 5043th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1571th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 43th |
| Lower admin cost | 80th |
| Employee saving | 71th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Zimmer Gunsul Frasca Architects LLP put in about $2,627 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 | $1,754,703 |
| Participant (employee) contributions | $7,725,489 |
| Other contributions (incl. rollovers in) | $2,088,997 |
| Administrative expenses paid from the plan | $109,711 |
| Benefits paid out | $14,187,444 |
| Net assets, start / end of year | $136.0M / $151.2M |
| Active participants, start / end of year | 689 / 647 |
| Participants with account balances | 943 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hood & Strong LLP |
Largest service providers (Schedule C)
| Milliman | $91,013 reported compensation |
| Matrix Trust Company | $18,698 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013200747NAL0004085890001, received 2025-10-13, EIN 93-0677469, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.