Entact, LLC 401(k) Review & Grade
Entact, LLC 401(k) Savings Plan
Westmont, ILAdministrative, Support & Staffing Services734 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,215Employer $ per active participant
$5,638Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$52.9MNet plan assets, end of year
$105,710Average balance per account
Score breakdown
- Employer generosity40.8 / 5082th percentile for employer $ per participant
- Low cost10.4 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 41th |
| Employee saving | 82th |
| Peers that auto-enroll | 27% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $228,551 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Entact put in about $2,215 per active participant, more than the typical peer ($712). 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 | $1,626,703 |
| Participant (employee) contributions | $4,141,229 |
| Other contributions (incl. rollovers in) | $1,446,928 |
| Administrative expenses paid from the plan | $142,751 |
| Contract administrator fees | $142,751 |
| Benefits paid out | $6,875,586 |
| Net assets, start / end of year | $44.7M / $52.9M |
| Active participants, start / end of year | 780 / 689 |
| Participants with account balances | 500 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $142,751 reported compensation |
| Creative Planning, Inc. | $67,567 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014122735NAL0005824754001, received 2025-10-14, EIN 77-0594061, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.