Transunion Intermediate Holdings, Inc. 401(k) Review & Grade
Transunion 401k & Savings Plan
Chicago, ILProfessional, Scientific & Technical Services4,514 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,724Employer $ per active participant
$11,801Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$1.4BNet plan assets, end of year
$222,268Average balance per account
Score breakdown
- Employer generosity42.4 / 5085th percentile for employer $ per participant
- Low cost19.3 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving10.0 / 1567th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 77th |
| Employee saving | 67th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $11,349 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Transunion Intermediate Holdings put in about $6,724 per active participant, more than the typical peer ($2,951). 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 | $30,347,548 |
| Participant (employee) contributions | $53,262,365 |
| Other contributions (incl. rollovers in) | $6,714,641 |
| Administrative expenses paid from the plan | $694,762 |
| Investment advisory & management fees | $73,260 |
| Other admin expenses | $351,527 |
| Benefits paid out | $186,075,633 |
| Net assets, start / end of year | $1.3B / $1.4B |
| Active participants, start / end of year | 5,011 / 4,016 |
| Participants with account balances | 6,116 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thrnton LLP |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $241,625 reported compensation |
| Mercer | $73,260 reported compensation |
| Grant Thornton | $28,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014123502NAL0003945424001, received 2025-10-14, EIN 74-3135689, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.