Investcloud, Inc. 401(k) Review & Grade
Investcloud, Inc 401(k) Plan
West Hollywood, CAProfessional, Scientific & Technical Services650 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,314Employer $ per active participant
$12,262Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$152.4MNet plan assets, end of year
$159,437Average balance per account
Score breakdown
- Employer generosity37.8 / 5076th percentile for employer $ per participant
- Low cost22.4 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving11.4 / 1576th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score75 / 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 | 76th |
| Lower admin cost | 90th |
| Employee saving | 76th |
| Peers that auto-enroll | 48% |
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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
- Investcloud put in about $5,314 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.
- 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 | $3,454,398 |
| Participant (employee) contributions | $7,970,313 |
| Other contributions (incl. rollovers in) | $1,319,251 |
| Administrative expenses paid from the plan | $61,776 |
| Contract administrator fees | $6,415 |
| Investment advisory & management fees | $28,061 |
| Benefits paid out | $18,654,394 |
| Net assets, start / end of year | $139.9M / $152.4M |
| Active participants, start / end of year | 714 / 586 |
| Participants with account balances | 956 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick, LLP |
| Employer stock held by plan | $1,922,364 |
Largest service providers (Schedule C)
| John Hancock | $34,476 reported compensation |
| Cohnreznick, LLP | $27,300 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015123213NAL0002412339001, received 2025-10-15, EIN 32-0412640, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.