Renaissance Learning, Inc. 401(k) Review & Grade
Renaissance Learning, Inc. 401(k) Savings Plan
Wisconsin Rapids, WIInformation1,765 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,376Employer $ per active participant
$9,415Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$217.3MNet plan assets, end of year
$94,435Average balance per account
Score breakdown
- Employer generosity37.1 / 5074th percentile for employer $ per participant
- Low cost10.9 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving8.1 / 1554th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 43th |
| Employee saving | 54th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,537 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Renaissance Learning put in about $4,376 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 | $7,722,805 |
| Participant (employee) contributions | $16,617,561 |
| Other contributions (incl. rollovers in) | $1,622,791 |
| Administrative expenses paid from the plan | $563,430 |
| Benefits paid out | $22,968,274 |
| Net assets, start / end of year | $189.4M / $217.3M |
| Active participants, start / end of year | 1,777 / 1,753 |
| Participants with account balances | 2,301 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Woodtrust Bank | $563,429 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250826141159NAL0008573809001, received 2025-08-26, EIN 39-1559474, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.