World Wide Technology, LLC 401(k) Review & Grade
World Wide Technology, LLC Employee Salary Deferral Retirement Program
ST. Louis, MOWholesale Trade7,941 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,564Employer $ per active participant
$10,360Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$1.1BNet plan assets, end of year
$150,641Average balance per account
Score breakdown
- Employer generosity45.1 / 5090th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving14.4 / 1596th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 61th |
| Employee saving | 96th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $14,914 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- World Wide Technology put in about $6,564 per active participant, more than the typical peer ($2,459). 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 | $52,124,804 |
| Participant (employee) contributions | $82,270,351 |
| Other contributions (incl. rollovers in) | $10,412,659 |
| Administrative expenses paid from the plan | $901,631 |
| Other admin expenses | $901,631 |
| Benefits paid out | $71,918,813 |
| Net assets, start / end of year | $919.9M / $1.1B |
| Active participants, start / end of year | 7,813 / 8,069 |
| Participants with account balances | 7,522 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $979,755 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910152604NAL0035734528001, received 2025-09-10, EIN 43-1912895, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.