Brillio, LLC 401(k) Review & Grade
Brillio 401(k) Plan
Edison, NJProfessional, Scientific & Technical Services651 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,358Employer $ per active participant
$8,300Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$32.8MNet plan assets, end of year
$55,070Average balance per account
Score breakdown
- Employer generosity19.6 / 5039th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 62th |
| Employee saving | 44th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,583 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Brillio put in about $2,358 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.
- 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 | $1,535,026 |
| Participant (employee) contributions | $5,403,295 |
| Other contributions (incl. rollovers in) | $1,209,066 |
| Administrative expenses paid from the plan | $45,485 |
| Investment advisory & management fees | $12,831 |
| Benefits paid out | $4,481,491 |
| Net assets, start / end of year | $25.0M / $32.8M |
| Active participants, start / end of year | 649 / 653 |
| Participants with account balances | 596 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Yusufali & Associates, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $32,654 reported compensation |
| Strategic Advisors, Inc. | $12,831 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014233846NAL0001887939001, received 2025-10-15, EIN 20-1821766, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.