Ewc Growth Partners LLC 401(k) Review & Grade
Ewc Growth Partners LLC 401(k) Plan
Wilmington, DEOther Services590 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$113Employer $ per active participant
$423Employee $ saved per active participant
1.04%Direct admin cost, % of plan assets
$1.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost1.5 / 256th percentile for low admin cost vs. same-size plans
- Employee saving1.4 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score9 / 100 · Grade F
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 6th |
| Employee saving | 9th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $124 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ewc Growth Partners put in about $113 per active participant, below the typical peer ($1,257). 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 (1.04% 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 | $66,874 |
| Participant (employee) contributions | $249,642 |
| Other contributions (incl. rollovers in) | $20,187 |
| Administrative expenses paid from the plan | $9,002 |
| Benefits paid out | $166,963 |
| Net assets, start / end of year | $719,346 / $1.0M |
| Active participants, start / end of year | 599 / 581 |
| Participants with account balances | 110 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251001102502NAL0014089968001, received 2025-10-01, EIN 84-4516658, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.