Edward D. Jones & Co., L.P. 401(k) Review & Grade
Edward D. Jones & Co. Profit Sharing and 401(k) Plan
ST. Louis, MOFinance & Insurance48,872 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,751Employer $ per active participant
$11,694Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$12.4BNet plan assets, end of year
$219,804Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost23.9 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 10,000+ active participants (72 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 96th |
| Employee saving | 75th |
| Peers that auto-enroll | 74% |
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
- Edward D. Jones & Co., L.P. put in about $8,751 per active participant, more than the typical peer ($5,179). 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 | $427,680,802 |
| Participant (employee) contributions | $571,506,162 |
| Other contributions (incl. rollovers in) | $82,573,233 |
| Administrative expenses paid from the plan | $1,245,386 |
| Other admin expenses | $6,986 |
| Benefits paid out | $888,969,065 |
| Net assets, start / end of year | $10.6B / $12.4B |
| Active participants, start / end of year | 47,254 / 50,491 |
| Participants with account balances | 56,268 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pricewaterhousecoopers |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $1,563,151 reported compensation |
| Marsh & Mclennan Companies Inc | $6,986 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014113913NAL0001318755001, received 2025-10-14, EIN 43-0345811, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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