Electric Power Research Institute, Inc. 401(k) Review & Grade
Electric Power Research Institute, Inc. 401(k) Plan
Palo Alto, CAProfessional, Scientific & Technical Services1,270 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$16,257Employer $ per active participant
$13,450Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$605.1MNet plan assets, end of year
$332,677Average balance per account
Score breakdown
- Employer generosity49.2 / 5098th percentile for employer $ per participant
- Low cost22.0 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 88th |
| Employee saving | 82th |
| 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
- Electric Power Research Institute put in about $16,257 per active participant, more than the typical peer ($3,082). 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 | $20,653,985 |
| Participant (employee) contributions | $17,087,854 |
| Other contributions (incl. rollovers in) | $7,312,952 |
| Administrative expenses paid from the plan | $271,183 |
| Investment advisory & management fees | $271,183 |
| Benefits paid out | $46,302,563 |
| Net assets, start / end of year | $534.3M / $605.1M |
| Active participants, start / end of year | 1,263 / 1,278 |
| Participants with account balances | 1,819 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Miller Kaplan Arase LLP |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $179,438 reported compensation |
| Vanguard Group Inc. | $94,346 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250627145504NAL0013925664001, received 2025-06-27, EIN 23-7175375, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.