Entrata, Inc. 401(k) Review & Grade
Entrata 401(k) Plan
Lehi, UTProfessional, Scientific & Technical Services1,320 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,046Employer $ per active participant
$6,650Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$60.9MNet plan assets, end of year
$35,385Average balance per account
Score breakdown
- Employer generosity17.1 / 5034th percentile for employer $ per participant
- Low cost8.1 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score37 / 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 | 34th |
| Lower admin cost | 32th |
| Employee saving | 33th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,349 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Entrata put in about $2,046 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 (0.38% 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.
- 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 | $2,699,455 |
| Participant (employee) contributions | $8,774,677 |
| Other contributions (incl. rollovers in) | $1,843,021 |
| Administrative expenses paid from the plan | $204,750 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $83,423 |
| Benefits paid out | $5,857,433 |
| Net assets, start / end of year | $47.0M / $60.9M |
| Active participants, start / end of year | 1,361 / 1,278 |
| Participants with account balances | 1,721 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wsrp, LLC. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $121,327 reported compensation |
| Onedigital Investment Advisors LLC | $83,423 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250825164809NAL0014092432001, received 2025-08-25, EIN 86-1072180, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.