194529-01 Clearesult Consulting Inc. 401(k) Review & Grade
Clearesult 401(k) Plan
Austin, TXProfessional, Scientific & Technical Services2,317 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,431Employer $ per active participant
$6,222Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$180.1MNet plan assets, end of year
$52,992Average balance per account
Score breakdown
- Employer generosity20.1 / 5040th percentile for employer $ per participant
- Low cost11.6 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score46 / 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 | 47th |
| Employee saving | 31th |
| 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
- 194529-01 Clearesult Consulting put in about $2,431 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 | $5,632,006 |
| Participant (employee) contributions | $14,416,574 |
| Other contributions (incl. rollovers in) | $4,479,349 |
| Administrative expenses paid from the plan | $425,127 |
| Investment advisory & management fees | $98,991 |
| Benefits paid out | $17,039,676 |
| Net assets, start / end of year | $152.8M / $180.1M |
| Active participants, start / end of year | 2,204 / 2,430 |
| Participants with account balances | 3,399 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKF O'connor Davies |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $312,637 reported compensation |
| Empower Advisory Group, LLC | $57,741 reported compensation |
| NFP Retirement Inc | $41,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930074728NAL0014564560001, received 2025-09-30, EIN 72-1572984, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.