Zenith Insurance Company 401(k) Review & Grade
Zenith 401(k) Plan
Woodland Hills, CAFinance & Insurance1,466 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,268Employer $ per active participant
$11,618Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$399.1MNet plan assets, end of year
$233,933Average balance per account
Score breakdown
- Employer generosity29.6 / 5059th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 87th |
| Employee saving | 81th |
| Peers that auto-enroll | 62% |
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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
- Zenith Insurance put in about $4,268 per active participant, more than the typical peer ($3,606). 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 | $6,259,220 |
| Participant (employee) contributions | $17,038,230 |
| Other contributions (incl. rollovers in) | $2,538,887 |
| Administrative expenses paid from the plan | $196,916 |
| Investment advisory & management fees | $69,785 |
| Benefits paid out | $22,593,379 |
| Net assets, start / end of year | $355.3M / $399.1M |
| Active participants, start / end of year | 1,459 / 1,474 |
| Participants with account balances | 1,706 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services Inc | $197,212 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010160834NAL0013494320003, received 2025-10-10, EIN 95-1651549, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.