Wilson & Company, Inc., Engineers & Architects 401(k) Review & Grade
Wilson & Company 401(k) Plan
Albuquerque, NMProfessional, Scientific & Technical Services680 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,524Employer $ per active participant
$8,467Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$110.3MNet plan assets, end of year
$124,799Average balance per account
Score breakdown
- Employer generosity21.0 / 5042th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1546th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 61th |
| Employee saving | 46th |
| Peers that auto-enroll | 48% |
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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
- Wilson & Company, Inc., Engineers & Architects put in about $2,524 per active participant, below the typical peer ($3,082). 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.
- 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 | $1,716,442 |
| Participant (employee) contributions | $5,757,363 |
| Other contributions (incl. rollovers in) | $1,786,730 |
| Administrative expenses paid from the plan | $164,358 |
| Investment advisory & management fees | $74,312 |
| Benefits paid out | $10,305,674 |
| Net assets, start / end of year | $96.1M / $110.3M |
| Active participants, start / end of year | 676 / 684 |
| Participants with account balances | 884 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $75,920 reported compensation |
| Prime Capital Investment Advisors | $60,000 reported compensation |
| Empower Advisory Group, LLC | $14,312 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250724094954NAL0005142129001, received 2025-07-24, EIN 48-1176300, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.