Trilon Group Holdings, LLC 401(k) Review & Grade
Trilon Group Retirement Savings Plan
Denver, COProfessional, Scientific & Technical Services2,822 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,622Employer $ per active participant
$6,794Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$257.8MNet plan assets, end of year
$81,109Average balance per account
Score breakdown
- Employer generosity31.3 / 5063th percentile for employer $ per participant
- Low cost5.4 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 22th |
| Employee saving | 37th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($95,535 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $284,474 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Trilon Group Holdings put in about $3,622 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.
- Direct plan expenses (0.31% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $10,221,904 |
| Participant (employee) contributions | $19,174,719 |
| Other contributions (incl. rollovers in) | $17,295,247 |
| Administrative expenses paid from the plan | $419,722 |
| Contract administrator fees | $327,356 |
| Investment advisory & management fees | $74,395 |
| Other admin expenses | $1,971 |
| Benefits paid out | $26,581,620 |
| Net assets, start / end of year | $10.9M / $257.8M |
| Active participants, start / end of year | 2,736 / 2,909 |
| Participants with account balances | 3,178 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $326,737 reported compensation |
| Creative Planning, LLC | $74,393 reported compensation |
| Greene Dycus Co., PA | $16,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260203104555NAL0002420385001, received 2026-02-03, EIN 87-3821663, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.