Zeiders Enterprises, Inc. 401(k) Review & Grade
Zeiders Enterprises, Inc. Employee Savings Plan
Woodbridge, VAProfessional, Scientific & Technical Services660 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$412Employer $ per active participant
$3,313Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$30.0MNet plan assets, end of year
$40,648Average balance per account
Score breakdown
- Employer generosity6.0 / 5012th percentile for employer $ per participant
- Low cost7.5 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score19 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 12th |
| Lower admin cost | 30th |
| Employee saving | 17th |
| Peers that auto-enroll | 48% |
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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
- Zeiders Enterprises put in about $412 per active participant, below the typical peer ($3,082). 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 (0.41% 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.
- 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 | $271,722 |
| Participant (employee) contributions | $2,184,856 |
| Other contributions (incl. rollovers in) | $153,712 |
| Administrative expenses paid from the plan | $120,191 |
| Investment advisory & management fees | $40,117 |
| Benefits paid out | $6,077,389 |
| Net assets, start / end of year | $29.0M / $30.0M |
| Active participants, start / end of year | 765 / 554 |
| Participants with account balances | 737 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, PC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $80,074 reported compensation |
| Onedigital Investment Advisors LLC | $29,659 reported compensation |
| Empower Advisory Group, LLC | $10,458 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014161134NAL0003367937001, received 2025-10-14, EIN 54-1188197, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.