Zayo Group Holdings, Inc. 401(k) Review & Grade
Zayo Group Holdings, Inc. 401(k) Plan
Boulder, COInformation2,655 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,665Employer $ per active participant
$10,129Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$357.3MNet plan assets, end of year
$87,500Average balance per account
Score breakdown
- Employer generosity24.6 / 5049th percentile for employer $ per participant
- Low cost12.2 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Information plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 49th |
| Employee saving | 66th |
| Peers that auto-enroll | 63% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,670 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Zayo Group Holdings put in about $3,665 per active participant, below the typical peer ($3,691). 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 | $9,729,843 |
| Participant (employee) contributions | $26,891,942 |
| Other contributions (incl. rollovers in) | $3,873,085 |
| Administrative expenses paid from the plan | $424,435 |
| Contract administrator fees | $1,500 |
| Investment advisory & management fees | $102,754 |
| Other admin expenses | $60,255 |
| Benefits paid out | $39,855,546 |
| Net assets, start / end of year | $316.8M / $357.3M |
| Active participants, start / end of year | 2,586 / 2,724 |
| Participants with account balances | 4,084 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $229,921 reported compensation |
| Strategic Advisors, Inc. | $102,754 reported compensation |
| Sageview | $60,255 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925102256NAL0003469427001, received 2025-09-25, EIN 26-1398293, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.