Point72, L.P. 401(k) Review & Grade
Point72, L.P. 401(k) Plan
Stamford, CTFinance & Insurance1,984 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$9,227Employer $ per active participant
$28,078Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$582.2MNet plan assets, end of year
$203,978Average balance per account
Score breakdown
- Employer generosity45.2 / 5090th percentile for employer $ per participant
- Low cost24.3 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 15100th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 97th |
| Employee saving | 100th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $256,304 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Point72, L.P. put in about $9,227 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.
- 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 | $18,307,006 |
| Participant (employee) contributions | $55,705,857 |
| Other contributions (incl. rollovers in) | $15,803,857 |
| Administrative expenses paid from the plan | $62,910 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $323 |
| Benefits paid out | $33,406,628 |
| Net assets, start / end of year | $445.9M / $582.2M |
| Active participants, start / end of year | 1,946 / 2,022 |
| Participants with account balances | 2,854 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $63,036 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003094708NAL0000732771001, received 2025-10-03, EIN 81-3985683, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.