Moneta Group LLC 401(k) Review & Grade
Moneta Group Salary Savings Plan
Clayton, MOFinance & Insurance504 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$11,423Employer $ per active participant
$12,773Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$144.0MNet plan assets, end of year
$237,668Average balance per account
Score breakdown
- Employer generosity47.1 / 5094th percentile for employer $ per participant
- Low cost21.0 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 84th |
| Employee saving | 85th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $1,929 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Moneta Group put in about $11,423 per active participant, more than the typical peer ($3,606). 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 | $5,762,954 |
| Participant (employee) contributions | $6,444,176 |
| Other contributions (incl. rollovers in) | $2,204,708 |
| Administrative expenses paid from the plan | $81,142 |
| Investment advisory & management fees | $3,866 |
| Benefits paid out | $7,790,994 |
| Net assets, start / end of year | $121.6M / $144.0M |
| Active participants, start / end of year | 491 / 518 |
| Participants with account balances | 606 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Abeles & Hoffman |
Largest service providers (Schedule C)
| Epic Retirement Plan Services | $77,276 reported compensation |
| Charles Schwab Trust Bank | $26,548 reported compensation |
| Charles Schwab & Co., Inc. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930135507NAL0011760049005, received 2025-09-30, EIN 20-1903821, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.