Ansira Partners II, LLC 401(k) Review & Grade
Ansira Partners, Inc. 401(k) Plan
ST Louis, MOProfessional, Scientific & Technical Services702 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,142Employer $ per active participant
$7,367Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$75.7MNet plan assets, end of year
$68,985Average balance per account
Score breakdown
- Employer generosity17.8 / 5036th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving5.6 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 31th |
| Employee saving | 37th |
| 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
- Ansira Partners II put in about $2,142 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.
- Direct plan expenses (0.39% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,503,509 |
| Participant (employee) contributions | $5,171,401 |
| Other contributions (incl. rollovers in) | $1,594,735 |
| Administrative expenses paid from the plan | $306,937 |
| Investment advisory & management fees | $148,535 |
| Benefits paid out | $24,780,761 |
| Net assets, start / end of year | $80.9M / $75.7M |
| Active participants, start / end of year | 871 / 533 |
| Participants with account balances | 1,097 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $158,402 reported compensation |
| Creative Planning LLC | $85,000 reported compensation |
| Empower Advisory Group, LLC | $63,535 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015143942NAL0010120770001, received 2025-10-15, EIN 43-2091232, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.