Environmental Systems Research Institute, Inc. 401(k) Review & Grade
Environmental Systems Research Institute, Inc. 401(k) Investment and Profit Sharing Plan
Redlands, CAProfessional, Scientific & Technical Services5,053 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$9,436Employer $ per active participant
$13,481Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$2.1BNet plan assets, end of year
$341,705Average balance per account
Score breakdown
- Employer generosity46.1 / 5092th percentile for employer $ per participant
- Low cost21.9 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1577th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 88th |
| Employee saving | 77th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,982 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Environmental Systems Research Institute put in about $9,436 per active participant, more than the typical peer ($2,951). 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 | $47,682,522 |
| Participant (employee) contributions | $68,122,000 |
| Other contributions (incl. rollovers in) | $5,256,656 |
| Administrative expenses paid from the plan | $693,948 |
| Contract administrator fees | $5,400 |
| Investment advisory & management fees | $464,866 |
| Other admin expenses | $5,329 |
| Benefits paid out | $108,062,573 |
| Net assets, start / end of year | $1.9B / $2.1B |
| Active participants, start / end of year | 4,996 / 5,110 |
| Participants with account balances | 6,281 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $329,903 reported compensation |
| Fidelity Investments Institutional | $219,878 reported compensation |
| Sageview Advisory Group, LLC | $129,371 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929153351NAL0012374960001, received 2025-09-29, EIN 95-2775732, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.