Berkadia Commercial Mortgage LLC 401(k) Review & Grade
Berkadia 401(k) Retirement Plan
Ambler, PAManagement of Companies1,500 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,387Employer $ per active participant
$12,656Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$334.3MNet plan assets, end of year
$173,681Average balance per account
Score breakdown
- Employer generosity45.6 / 5091th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score90 / 100 · Grade A
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 82th |
| Employee saving | 91th |
| Peers that auto-enroll | 58% |
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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
- Berkadia Commercial Mortgage put in about $8,387 per active participant, more than the typical peer ($2,492). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $12,576,606 |
| Participant (employee) contributions | $18,977,713 |
| Other contributions (incl. rollovers in) | $5,060,581 |
| Administrative expenses paid from the plan | $208,501 |
| Investment advisory & management fees | $73,824 |
| Benefits paid out | $23,730,222 |
| Net assets, start / end of year | $283.1M / $334.3M |
| Active participants, start / end of year | 1,538 / 1,461 |
| Participants with account balances | 1,925 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $120,750 reported compensation |
| Rocaton Investment Advisors LLC | $73,824 reported compensation |
| Kreischer Miller | $17,717 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250903144712NAL0009469811001, received 2025-09-03, EIN 27-0812934, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.