Moss Adams LLP 401(k) Review & Grade
401(k) Profit Sharing Plan for Employees of Moss Adams LLP & Affiliates
Seattle, WAProfessional, Scientific & Technical Services4,020 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,104Employer $ per active participant
$11,983Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$633.4MNet plan assets, end of year
$105,722Average balance per account
Score breakdown
- Employer generosity41.3 / 5083th percentile for employer $ per participant
- Low cost12.9 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 52th |
| Employee saving | 68th |
| Peers that auto-enroll | 47% |
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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 ($1,498,719 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
- Moss Adams LLP put in about $6,104 per active participant, more than the typical peer ($2,951). 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 | $24,533,755 |
| Participant (employee) contributions | $48,165,917 |
| Other contributions (incl. rollovers in) | $5,703,918 |
| Administrative expenses paid from the plan | $680,730 |
| Investment advisory & management fees | $42,047 |
| Other admin expenses | $255,143 |
| Benefits paid out | $43,672,101 |
| Net assets, start / end of year | $534.5M / $633.4M |
| Active participants, start / end of year | 4,076 / 3,963 |
| Participants with account balances | 5,991 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sweeney Conrad PS |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $366,819 reported compensation |
| Vanguard Advisers Inc. | $194,281 reported compensation |
| Davis Wright Tremaine | $66,694 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009193037NAL0007050097001, received 2025-10-09, EIN 91-0189318, plan #090, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.