Post University, Inc. 401(k) Review & Grade
Post University, Inc. 401(k) Retirement Plan
Waterbury, CTEducational Services790 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,551Employer $ per active participant
$3,235Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$28.5MNet plan assets, end of year
$32,399Average balance per account
Score breakdown
- Employer generosity30.1 / 5060th percentile for employer $ per participant
- Low cost22.4 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 90th |
| Employee saving | 61th |
| Peers that auto-enroll | 37% |
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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,834 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
- Post University put in about $1,551 per active participant, more than the typical peer ($1,225). 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 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 | $1,225,664 |
| Participant (employee) contributions | $2,555,659 |
| Other contributions (incl. rollovers in) | $250,207 |
| Administrative expenses paid from the plan | $10,854 |
| Other admin expenses | $10,854 |
| Benefits paid out | $1,730,390 |
| Net assets, start / end of year | $23.0M / $28.5M |
| Active participants, start / end of year | 744 / 836 |
| Participants with account balances | 880 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Almich & Associates |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $14,229 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014124720NAL0001401955001, received 2025-10-14, EIN 20-1003413, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.