Emoney Advisor, LLC 401(k) Review & Grade
Emoney Advisor, LLC 401(k) Plan
Radnor, PAFinance & Insurance618 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,215Employer $ per active participant
$12,267Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$100.3MNet plan assets, end of year
$117,919Average balance per account
Score breakdown
- Employer generosity29.2 / 5058th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 80th |
| Employee saving | 83th |
| Peers that auto-enroll | 62% |
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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
- Emoney Advisor put in about $4,215 per active participant, more than the typical peer ($3,606). 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.
- 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 | $2,604,764 |
| Participant (employee) contributions | $7,580,986 |
| Other contributions (incl. rollovers in) | $509,327 |
| Administrative expenses paid from the plan | $68,666 |
| Investment advisory & management fees | $58,384 |
| Benefits paid out | $4,012,047 |
| Net assets, start / end of year | $80.8M / $100.3M |
| Active participants, start / end of year | 610 / 626 |
| Participants with account balances | 851 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $58,384 reported compensation |
| Fidelity Investments Institutional | $10,282 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250827145714NAL0009504497001, received 2025-08-27, EIN 26-4703468, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.