Zywave, Inc. 401(k) Review & Grade
Zywave 401(k) Plan
Milwaukee, WIProfessional, Scientific & Technical Services602 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,481Employer $ per active participant
$9,278Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$66.0MNet plan assets, end of year
$90,878Average balance per account
Score breakdown
- Employer generosity20.5 / 5041th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score45 / 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 | 41th |
| Lower admin cost | 56th |
| Employee saving | 52th |
| 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
- Zywave put in about $2,481 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.
- 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 | $1,492,071 |
| Participant (employee) contributions | $5,580,703 |
| Other contributions (incl. rollovers in) | $1,043,076 |
| Administrative expenses paid from the plan | $116,978 |
| Investment advisory & management fees | $25,000 |
| Benefits paid out | $7,479,636 |
| Net assets, start / end of year | $57.3M / $66.0M |
| Active participants, start / end of year | 658 / 545 |
| Participants with account balances | 726 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Vrakas S.C. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $79,378 reported compensation |
| Spectrum Investment Advisors Inc | $25,000 reported compensation |
| Vrakas/blum, S.C. | $12,600 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014140536NAL0002972945001, received 2025-10-14, EIN 39-1810743, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.