Origami Risk LLC 401(k) Review & Grade
Origami Risk 401(k) Savings & Investment Plan
Chicago, ILInformation806 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,670Employer $ per active participant
$10,929Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$75.4MNet plan assets, end of year
$75,866Average balance per account
Score breakdown
- Employer generosity39.3 / 5079th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 58th |
| Employee saving | 65th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,817 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Origami Risk put in about $4,670 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.
- 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 | $3,765,962 |
| Participant (employee) contributions | $8,814,108 |
| Other contributions (incl. rollovers in) | $3,859,395 |
| Administrative expenses paid from the plan | $116,562 |
| Contract administrator fees | $79,062 |
| Investment advisory & management fees | $25,000 |
| Benefits paid out | $4,569,866 |
| Net assets, start / end of year | $54.6M / $75.4M |
| Active participants, start / end of year | 746 / 867 |
| Participants with account balances | 994 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sikich CPA LLC |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $79,062 reported compensation |
| Gallagher Fiduciary Advisors | $25,000 reported compensation |
| Sikich CPA LLC | $12,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250522155906NAL0004789936001, received 2025-05-22, EIN 26-4060548, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.