Brown Brothers Harriman & Co. 401(k) Review & Grade
59 Wall Street Capital Accumulation Plan
New York, NYFinance & Insurance3,328 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$12,302Employer $ per active participant
$13,260Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$1.5BNet plan assets, end of year
$307,710Average balance per account
Score breakdown
- Employer generosity46.2 / 5092th percentile for employer $ per participant
- Low cost24.0 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 96th |
| Employee saving | 88th |
| Peers that auto-enroll | 66% |
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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
- Brown Brothers Harriman & put in about $12,302 per active participant, more than the typical peer ($4,489). 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.
- 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 | $40,948,781 |
| Participant (employee) contributions | $44,136,079 |
| Other contributions (incl. rollovers in) | $4,793,479 |
| Administrative expenses paid from the plan | $220,446 |
| Other admin expenses | $220,446 |
| Benefits paid out | $107,393,030 |
| Net assets, start / end of year | $1.4B / $1.5B |
| Active participants, start / end of year | 3,354 / 3,303 |
| Participants with account balances | 5,017 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $212,019 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015083145NAL0004346177001, received 2025-10-15, EIN 13-4973745, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.