Live Learning Technologies Shared Resources 401(k) Review & Grade
Live Learning Technologies SR 401(k) Plan
Clayton, MOInformation568 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,238Employer $ per active participant
$4,866Employee $ saved per active participant
0.56%Direct admin cost, % of plan assets
$18.2MNet plan assets, end of year
$30,614Average balance per account
Score breakdown
- Employer generosity18.6 / 5037th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 20th |
| Employee saving | 20th |
| Peers that auto-enroll | 59% |
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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
- Live Learning Technologies Shared Resources put in about $2,238 per active participant, below the typical peer ($2,829). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.56% 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.
- 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 | $1,269,843 |
| Participant (employee) contributions | $2,761,401 |
| Other contributions (incl. rollovers in) | $783,956 |
| Administrative expenses paid from the plan | $89,879 |
| Contract administrator fees | $49,384 |
| Investment advisory & management fees | $40,495 |
| Benefits paid out | $3,168,026 |
| Net assets, start / end of year | $14.2M / $18.2M |
| Active participants, start / end of year | 523 / 612 |
| Participants with account balances | 593 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $49,384 reported compensation |
| Cambridge Investment Research. | $40,495 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013162727NAL0001597521001, received 2025-10-13, EIN 83-2872068, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.