Worldpay, LLC 401(k) Review & Grade
Worldpay 401(k) Profit Sharing Plan
Cincinnati, OHFinance & Insurance3,493 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,405Employer $ per active participant
$4,487Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$407.0MNet plan assets, end of year
$113,443Average balance per account
Score breakdown
- Employer generosity4.0 / 508th percentile for employer $ per participant
- Low cost22.1 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving0.9 / 156th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 89th |
| Employee saving | 6th |
| Peers that auto-enroll | 66% |
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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
- Worldpay put in about $1,405 per active participant, below the typical peer ($4,489). 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.
- 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 | $4,907,471 |
| Participant (employee) contributions | $15,672,550 |
| Other contributions (incl. rollovers in) | $6,877,538 |
| Administrative expenses paid from the plan | $132,754 |
| Investment advisory & management fees | $81,698 |
| Benefits paid out | $9,476,137 |
| Net assets, start / end of year | $0 / $407.0M |
| Active participants, start / end of year | 3,165 / 3,821 |
| Participants with account balances | 3,588 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Barnes Dennig |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $64,823 reported compensation |
| Fidelity Investments Institutional | $49,868 reported compensation |
| Capfinancial Partners, LLC | $16,875 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013162216NAL0000827235001, received 2025-10-13, EIN 93-3499050, plan #001, plan year 2024-06-01 to 2024-12-31. Verify at efast.dol.gov.