Guidewire Software 401(k) Review & Grade
Guidewire Software Retirement Trust
San Mateo, CAProfessional, Scientific & Technical Services1,664 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,588Employer $ per active participant
$20,178Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$483.4MNet plan assets, end of year
$219,943Average balance per account
Score breakdown
- Employer generosity35.3 / 5071th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 82th |
| Employee saving | 99th |
| Peers that auto-enroll | 48% |
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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
- Guidewire Software put in about $4,588 per active participant, more than the typical peer ($3,082). 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.
- 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 | $7,633,845 |
| Participant (employee) contributions | $33,576,184 |
| Other contributions (incl. rollovers in) | $4,975,568 |
| Administrative expenses paid from the plan | $299,965 |
| Contract administrator fees | $1,500 |
| Investment advisory & management fees | $247,923 |
| Benefits paid out | $35,605,810 |
| Net assets, start / end of year | $413.4M / $483.4M |
| Active participants, start / end of year | 1,661 / 1,667 |
| Participants with account balances | 2,198 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frank Rimerman & Co. LLP |
Largest service providers (Schedule C)
| Nepc, LLC | $193,444 reported compensation |
| Strategic Advisors, Inc. | $54,479 reported compensation |
| Fidelity Investments Institutional | $52,042 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009093956NAL0006771457001, received 2025-10-09, EIN 36-4468504, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.