Trend Micro, Incorporated 401(k) Review & Grade
Trend Micro, Incorporated 401(k) Retirement Plan
Irving, TXProfessional, Scientific & Technical Services1,029 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,290Employer $ per active participant
$11,561Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$222.8MNet plan assets, end of year
$171,892Average balance per account
Score breakdown
- Employer generosity40.4 / 5081th percentile for employer $ per participant
- Low cost19.0 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1571th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score77 / 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 | 81th |
| Lower admin cost | 76th |
| Employee saving | 71th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,420 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Trend Micro, Incorporated put in about $6,290 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 | $6,472,783 |
| Participant (employee) contributions | $11,896,562 |
| Other contributions (incl. rollovers in) | $320,087 |
| Administrative expenses paid from the plan | $193,996 |
| Investment advisory & management fees | $18,000 |
| Benefits paid out | $22,915,127 |
| Net assets, start / end of year | $199.4M / $222.8M |
| Active participants, start / end of year | 1,121 / 937 |
| Participants with account balances | 1,296 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Johanson & Yau Accountancy Corp |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $175,996 reported compensation |
| Robertson Stephens Wealth Managemen | $18,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013171427NAL0000853283001, received 2025-10-13, EIN 77-0391563, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.