Infinite Campus, Inc. 401(k) Review & Grade
Infinite Campus, Inc. Employees Savings Trust
Blaine, MNEducational Services574 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,874Employer $ per active participant
$8,389Employee $ saved per active participant
0.40%Direct admin cost, % of plan assets
$75.7MNet plan assets, end of year
$117,603Average balance per account
Score breakdown
- Employer generosity40.9 / 5082th percentile for employer $ per participant
- Low cost7.7 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 31th |
| Employee saving | 91th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($438 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Infinite Campus put in about $2,874 per active participant, more than the typical peer ($1,225). 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.
- Direct plan expenses (0.40% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,648,185 |
| Participant (employee) contributions | $4,811,153 |
| Other contributions (incl. rollovers in) | $360,624 |
| Administrative expenses paid from the plan | $278,374 |
| Investment advisory & management fees | $273,513 |
| Other admin expenses | $4,861 |
| Benefits paid out | $3,945,934 |
| Net assets, start / end of year | $64.7M / $75.7M |
| Active participants, start / end of year | 532 / 615 |
| Participants with account balances | 644 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Redpath and Company, LLC |
Largest service providers (Schedule C)
| Cetera Advisor Networks LLC | $140,751 reported compensation |
| Empower Annuity Insur Co of America | $93,304 reported compensation |
| Empower Advisory Group, LLC | $22,164 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001113704NAL0031532290001, received 2025-10-01, EIN 41-1745930, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.