John Wiley & Sons, Inc. 401(k) Review & Grade
John Wiley & Sons, Inc. Employees' Savings Plan
Hoboken, NJInformation2,352 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,272Employer $ per active participant
$8,886Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$670.3MNet plan assets, end of year
$148,635Average balance per account
Score breakdown
- Employer generosity36.1 / 5072th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 95th |
| Employee saving | 50th |
| Peers that auto-enroll | 59% |
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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 ($11,561 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
- John Wiley & Sons put in about $4,272 per active participant, more than the typical peer ($2,829). 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.
- 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 | $10,045,829 |
| Participant (employee) contributions | $20,895,147 |
| Other contributions (incl. rollovers in) | $1,141,908 |
| Administrative expenses paid from the plan | $148,897 |
| Other admin expenses | $148,897 |
| Benefits paid out | $61,274,863 |
| Net assets, start / end of year | $651.4M / $670.3M |
| Active participants, start / end of year | 2,852 / 1,851 |
| Participants with account balances | 4,510 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith+brown, PC |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $117,522 reported compensation |
| The Vanguard Group, Inc. | $35,575 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015123820NAL0004556033001, received 2025-10-15, EIN 13-5593032, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.