WPP Group USA, Inc. 401(k) Review & Grade
The Savings and Investment Plan
New York, NYProfessional, Scientific & Technical Services19,962 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,830Employer $ per active participant
$9,582Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$4.7BNet plan assets, end of year
$117,434Average balance per account
Score breakdown
- Employer generosity34.8 / 5070th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 80th |
| Employee saving | 59th |
| Peers that auto-enroll | 39% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($17,166 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $38,808 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- WPP Group USA put in about $3,830 per active participant, more than the typical peer ($2,932). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $76,452,363 |
| Participant (employee) contributions | $191,268,324 |
| Other contributions (incl. rollovers in) | $22,301,864 |
| Administrative expenses paid from the plan | $1,611,249 |
| Other admin expenses | $1,611,249 |
| Benefits paid out | $439,532,848 |
| Net assets, start / end of year | $4.3B / $4.7B |
| Active participants, start / end of year | 20,348 / 19,575 |
| Participants with account balances | 40,113 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKF O'connor Davies, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $1,123,262 reported compensation |
| Mercer | $163,300 reported compensation |
| Capfinancial Partners, LLC. | $159,135 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251117093500NAL0000626915001, received 2025-11-17, EIN 20-4031493, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.