Radiate Holdco, LLC 401(k) Review & Grade
Radiate Holdco, LLC Retirement Savings Plan
Princeton, NJInformation2,930 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,584Employer $ per active participant
$6,078Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$317.0MNet plan assets, end of year
$114,022Average balance per account
Score breakdown
- Employer generosity16.1 / 5032th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 23th |
| Employee saving | 31th |
| Peers that auto-enroll | 63% |
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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
- Radiate Holdco put in about $2,584 per active participant, below the typical peer ($3,691). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.30% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $7,571,193 |
| Participant (employee) contributions | $17,805,057 |
| Other contributions (incl. rollovers in) | $838,006 |
| Administrative expenses paid from the plan | $896,043 |
| Contract administrator fees | $890,793 |
| Benefits paid out | $27,369,576 |
| Net assets, start / end of year | $287.9M / $317.0M |
| Active participants, start / end of year | 3,042 / 2,817 |
| Participants with account balances | 2,780 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Lincoln National Corporation | $890,793 reported compensation |
| Moss Adams LLP | $5,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010135015NAL0013232288001, received 2025-10-10, EIN 81-3541495, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.