Gunderson Dettmer Stough Villeneuve Franklin & Hachigian, LLP 401(k) Review & Grade
Gunderson Dettmer Stough Villeneuve Franklin & Hachigian, LLP Profit Sharing Plan
Redwood City, CAProfessional, Scientific & Technical Services642 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$13,383Employer $ per active participant
$17,500Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$264.3MNet plan assets, end of year
$275,284Average balance per account
Score breakdown
- Employer generosity47.9 / 5096th percentile for employer $ per participant
- Low cost16.3 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1596th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 65th |
| Employee saving | 96th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,377 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Gunderson Dettmer Stough Villeneuve Franklin & Hachigian, LLP put in about $13,383 per active participant, more than the typical peer ($3,082). 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 | $8,591,733 |
| Participant (employee) contributions | $11,234,904 |
| Other contributions (incl. rollovers in) | $815,594 |
| Administrative expenses paid from the plan | $340,340 |
| Investment advisory & management fees | $214,499 |
| Benefits paid out | $12,158,614 |
| Net assets, start / end of year | $222.4M / $264.3M |
| Active participants, start / end of year | 647 / 637 |
| Participants with account balances | 960 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmithbrown PC |
Largest service providers (Schedule C)
| Northwestern Mutual Investment | $172,024 reported compensation |
| Oneamerica Retirement Services LLC | $125,841 reported compensation |
| Alliance Bernstein LP | $27,738 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250814133328NAL0009147091001, received 2025-08-14, EIN 77-0409988, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.