En Engineering, LLC DBA Entrust Solutions Group 401(k) Review & Grade
Entrust Solutions Group Retirement Savings Plan
Warrenville, ILProfessional, Scientific & Technical Services2,706 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,808Employer $ per active participant
$6,394Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$209.1MNet plan assets, end of year
$62,446Average balance per account
Score breakdown
- Employer generosity24.1 / 5048th percentile for employer $ per participant
- Low cost7.5 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 30th |
| Employee saving | 33th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $872 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- En Engineering, LLC DBA Entrust Solutions Group put in about $2,808 per active participant, below the typical peer ($2,951). 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 (0.23% of assets) are well above similar-size plans (0.12%). 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 | $7,599,460 |
| Participant (employee) contributions | $17,305,679 |
| Other contributions (incl. rollovers in) | $5,098,685 |
| Administrative expenses paid from the plan | $445,403 |
| Contract administrator fees | $445,403 |
| Benefits paid out | $23,035,519 |
| Net assets, start / end of year | $176.5M / $209.1M |
| Active participants, start / end of year | 2,714 / 2,699 |
| Participants with account balances | 3,348 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $462,615 reported compensation |
| Creative Planning, Inc. | $110,479 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250912100349NAL0000747075001, received 2025-09-12, EIN 36-4485185, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.