Trillium Family Services, Inc. 401(k) Review & Grade
Trillium Family Services, Inc. Employees Retirement Plan
Portland, OROther Services564 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,562Employer $ per active participant
$2,175Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$22.1MNet plan assets, end of year
$62,030Average balance per account
Score breakdown
- Employer generosity29.7 / 5059th percentile for employer $ per participant
- Low cost23.6 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 94th |
| Employee saving | 43th |
| Peers that auto-enroll | 40% |
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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
- Trillium Family Services put in about $1,562 per active participant, more than the typical peer ($1,257). 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 | $880,190 |
| Participant (employee) contributions | $1,225,384 |
| Other contributions (incl. rollovers in) | $37,624 |
| Administrative expenses paid from the plan | $4,906 |
| Contract administrator fees | $4,906 |
| Benefits paid out | $1,267,313 |
| Net assets, start / end of year | $18.5M / $22.1M |
| Active participants, start / end of year | 596 / 531 |
| Participants with account balances | 356 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jones & Roth |
Largest service providers (Schedule C)
| Stancorp Financial Group | $59,425 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013095318NAL0000441555001, received 2025-10-13, EIN 93-0386966, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.