Ensono, LP 401(k) Review & Grade
The Ensono 401(k) Plan
Downers Grove, ILInformation1,413 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,653Employer $ per active participant
$13,431Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$198.8MNet plan assets, end of year
$116,441Average balance per account
Score breakdown
- Employer generosity31.9 / 5064th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 54th |
| Employee saving | 79th |
| Peers that auto-enroll | 59% |
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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
- Ensono, LP put in about $3,653 per active participant, more than the typical peer ($2,829). 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 | $5,162,112 |
| Participant (employee) contributions | $18,977,616 |
| Other contributions (incl. rollovers in) | $3,550,259 |
| Administrative expenses paid from the plan | $376,005 |
| Investment advisory & management fees | $20,162 |
| Other admin expenses | $60,098 |
| Benefits paid out | $18,880,016 |
| Net assets, start / end of year | $168.9M / $198.8M |
| Active participants, start / end of year | 1,374 / 1,452 |
| Participants with account balances | 1,707 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $115,745 reported compensation |
| Graystone Consulting | $79,985 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007163720NAL0008303584001, received 2025-10-07, EIN 36-2992650, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.