Edpo, LLC 401(k) Review & Grade
Edpo, LLC Employees Savings Trust
Chicago, ILManagement of Companies706 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,808Employer $ per active participant
$3,617Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$30.4MNet plan assets, end of year
$59,808Average balance per account
Score breakdown
- Employer generosity17.3 / 5035th percentile for employer $ per participant
- Low cost7.9 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 31th |
| Employee saving | 30th |
| Peers that auto-enroll | 58% |
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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
- Edpo put in about $1,808 per active participant, below the typical peer ($2,492). 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 (0.39% 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 | $1,276,168 |
| Participant (employee) contributions | $2,553,400 |
| Other contributions (incl. rollovers in) | $1,703,153 |
| Administrative expenses paid from the plan | $108,385 |
| Investment advisory & management fees | $51,284 |
| Benefits paid out | $3,958,177 |
| Net assets, start / end of year | $25.3M / $30.4M |
| Active participants, start / end of year | 617 / 795 |
| Participants with account balances | 508 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $57,101 reported compensation |
| Ifp Advisors LLC | $51,284 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015115910NAL0004469745001, received 2025-10-15, EIN 45-1874001, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.