Wind River Environmental, LLC 401(k) Review & Grade
Wind River Environmental 401(k) Plan
Marlborough, MAAdministrative, Support & Staffing Services1,190 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,008Employer $ per active participant
$3,597Employee $ saved per active participant
0.78%Direct admin cost, % of plan assets
$24.8MNet plan assets, end of year
$21,264Average balance per account
Score breakdown
- Employer generosity30.9 / 5062th percentile for employer $ per participant
- Low cost2.7 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 11th |
| Employee saving | 68th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,664 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Wind River Environmental put in about $1,008 per active participant, more than the typical peer ($712). 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 (0.78% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $1,199,202 |
| Participant (employee) contributions | $4,280,440 |
| Other contributions (incl. rollovers in) | $660,807 |
| Administrative expenses paid from the plan | $170,810 |
| Investment advisory & management fees | $49,655 |
| Benefits paid out | $2,824,834 |
| Net assets, start / end of year | $19.2M / $24.8M |
| Active participants, start / end of year | 1,194 / 1,186 |
| Participants with account balances | 1,166 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron & Bletzer |
Largest service providers (Schedule C)
| Adp, Inc. | $121,155 reported compensation |
| Kestra Advisory Services | $49,655 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007051517NAL0004359857001, received 2025-10-07, EIN 04-3487677, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.