Endurance U.S. Holdings Corp. 401(k) Review & Grade
Endurance 401k Plan
Alpharetta, GAFinance & Insurance2,768 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$14,453Employer $ per active participant
$12,683Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$662.7MNet plan assets, end of year
$187,406Average balance per account
Score breakdown
- Employer generosity48.5 / 5097th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving12.8 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score93 / 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 | 97th |
| Lower admin cost | 98th |
| Employee saving | 85th |
| Peers that auto-enroll | 66% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,489 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Endurance U.S. Holdings put in about $14,453 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.
- 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 | $40,014,181 |
| Participant (employee) contributions | $35,112,956 |
| Other contributions (incl. rollovers in) | $10,380,401 |
| Administrative expenses paid from the plan | $46,119 |
| Benefits paid out | $63,313,741 |
| Net assets, start / end of year | $560.5M / $662.7M |
| Active participants, start / end of year | 2,712 / 2,825 |
| Participants with account balances | 3,536 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith+brown, PC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $46,119 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008115940NAL0003254387015, received 2025-10-08, EIN 98-0379712, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.