Prudential Overall Supply 401(k) Review & Grade
Prudential Overall Supply Profit Sharing and Retirement Plan
Irvine, CAOther Services1,826 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,554Employer $ per active participant
$3,908Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$125.2MNet plan assets, end of year
$52,698Average balance per account
Score breakdown
- Employer generosity38.6 / 5077th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 53th |
| Employee saving | 66th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Prudential Overall Supply put in about $2,554 per active participant, more than the typical peer ($1,257). 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 | $4,663,488 |
| Participant (employee) contributions | $7,135,115 |
| Other contributions (incl. rollovers in) | $190,463 |
| Administrative expenses paid from the plan | $243,857 |
| Contract administrator fees | $1,200 |
| Other admin expenses | $50,000 |
| Benefits paid out | $12,408,075 |
| Net assets, start / end of year | $110.5M / $125.2M |
| Active participants, start / end of year | 1,600 / 2,052 |
| Participants with account balances | 2,375 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly, US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $193,857 reported compensation |
| Sageview Advisory Group LLC | $50,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006125146NAL0003658801001, received 2025-10-06, EIN 95-1535681, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.