Numerator 401(k) Review & Grade
Numerator 401(k) Plan
Chicago, ILProfessional, Scientific & Technical Services660 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,326Employer $ per active participant
$10,361Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$67.9MNet plan assets, end of year
$72,496Average balance per account
Score breakdown
- Employer generosity27.3 / 5055th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 47th |
| Employee saving | 63th |
| 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
- Numerator put in about $3,326 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 | $2,196,938 |
| Participant (employee) contributions | $6,843,464 |
| Other contributions (incl. rollovers in) | $936,624 |
| Administrative expenses paid from the plan | $156,940 |
| Investment advisory & management fees | $22,500 |
| Benefits paid out | $5,778,610 |
| Net assets, start / end of year | $55.4M / $67.9M |
| Active participants, start / end of year | 631 / 690 |
| Participants with account balances | 937 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $134,440 reported compensation |
| Creative Planning LLC | $22,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250724081701NAL0002490531001, received 2025-07-24, EIN 20-0509196, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.