Microstrategy 401(k) Review & Grade
Microstrategy 401(k) Savings Plan
Vienna, VAProfessional, Scientific & Technical Services545 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,380Employer $ per active participant
$19,890Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$254.3MNet plan assets, end of year
$195,157Average balance per account
Score breakdown
- Employer generosity34.1 / 5068th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 91th |
| Employee saving | 98th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,805 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Microstrategy put in about $4,380 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.
- 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 | $2,386,965 |
| Participant (employee) contributions | $10,839,824 |
| Other contributions (incl. rollovers in) | $1,480,292 |
| Administrative expenses paid from the plan | $93,482 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $50,000 |
| Benefits paid out | $34,178,343 |
| Net assets, start / end of year | $237.3M / $254.3M |
| Active participants, start / end of year | 637 / 453 |
| Participants with account balances | 1,303 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Kestra Investment Services LLC | $50,000 reported compensation |
| Fidelity Investments Institutional | $43,482 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260326101311NAL0004651249001, received 2026-03-26, EIN 51-0323571, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.