World Market, LLC 401(k) Review & Grade
World Market 401(k) Plan
Alameda, CARetail Trade5,338 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$528Employer $ per active participant
$1,168Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$78.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity19.5 / 5039th percentile for employer $ per participant
- Low cost9.2 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving4.4 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 37th |
| Employee saving | 29th |
| Peers that auto-enroll | 42% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($18 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $2,501 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- World Market put in about $528 per active participant, below the typical peer ($650). 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.
- Direct plan expenses (0.19% 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 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 | $2,818,803 |
| Participant (employee) contributions | $6,233,319 |
| Other contributions (incl. rollovers in) | $748,875 |
| Administrative expenses paid from the plan | $136,821 |
| Benefits paid out | $8,258,501 |
| Net assets, start / end of year | $66.7M / $78.7M |
| Active participants, start / end of year | 4,538 / 6,138 |
| Participants with account balances | 1,131 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Citrin Cooperman & Company, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $981 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010131343NAL0013177664001, received 2025-10-10, EIN 94-1067973, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.