Addepar, Inc. 401(k) Review & Grade
Addepar 401(k) Plan
Mountain View, CAInformation670 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2Employer $ per active participant
$17,231Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$76.7MNet plan assets, end of year
$84,692Average balance per account
Score breakdown
- Employer generosity3.1 / 506th percentile for employer $ per participant
- Low cost21.3 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 6th |
| Lower admin cost | 85th |
| Employee saving | 94th |
| Peers that auto-enroll | 59% |
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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
- Addepar put in about $2 per active participant, below the typical peer ($2,829). 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 | $1,241 |
| Participant (employee) contributions | $11,544,957 |
| Other contributions (incl. rollovers in) | $2,354,937 |
| Administrative expenses paid from the plan | $39,054 |
| Investment advisory & management fees | $13,434 |
| Benefits paid out | $6,598,567 |
| Net assets, start / end of year | $59.2M / $76.7M |
| Active participants, start / end of year | 667 / 673 |
| Participants with account balances | 906 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Citrin Cooperman & Company, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $25,620 reported compensation |
| Strategic Advisors, Inc. | $13,434 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014102306NAL0002512353001, received 2025-10-14, EIN 45-2500433, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.