Troutman Pepper Hamilton Sanders LLP 401(k) Review & Grade
Troutman Pepper Defined Contribution Plan
Atlanta, GAProfessional, Scientific & Technical Services2,551 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$10,937Employer $ per active participant
$11,954Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$1.2BNet plan assets, end of year
$353,403Average balance per account
Score breakdown
- Employer generosity46.5 / 5093th percentile for employer $ per participant
- Low cost23.1 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 92th |
| Employee saving | 67th |
| Peers that auto-enroll | 47% |
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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
- Troutman Pepper Hamilton Sanders LLP put in about $10,937 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 | $27,900,879 |
| Participant (employee) contributions | $30,495,530 |
| Other contributions (incl. rollovers in) | $3,925,109 |
| Administrative expenses paid from the plan | $280,860 |
| Investment advisory & management fees | $95,295 |
| Other admin expenses | $28,831 |
| Benefits paid out | $136,194,017 |
| Net assets, start / end of year | $1.1B / $1.2B |
| Active participants, start / end of year | 2,231 / 2,871 |
| Participants with account balances | 3,359 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett, LLC |
Largest service providers (Schedule C)
| Vanguard Group | $197,857 reported compensation |
| Fiducient Advisors LLC | $87,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014105959NAL0005581746001, received 2025-10-14, EIN 58-0946915, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.