Zoom Video Communications, Inc. 401(k) Review & Grade
Zoom Video Communications, Inc. 401k Profit Sharing Plan Trust
San Jose, CAProfessional, Scientific & Technical Services3,698 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,656Employer $ per active participant
$16,229Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$379.0MNet plan assets, end of year
$77,756Average balance per account
Score breakdown
- Employer generosity23.0 / 5046th percentile for employer $ per participant
- Low cost12.2 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving13.0 / 1587th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 49th |
| Employee saving | 87th |
| Peers that auto-enroll | 47% |
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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
- Zoom Video Communications put in about $2,656 per active participant, below the typical peer ($2,951). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $9,822,308 |
| Participant (employee) contributions | $60,015,900 |
| Other contributions (incl. rollovers in) | $10,535,653 |
| Administrative expenses paid from the plan | $415,586 |
| Investment advisory & management fees | $82,653 |
| Benefits paid out | $32,353,626 |
| Net assets, start / end of year | $282.3M / $379.0M |
| Active participants, start / end of year | 3,803 / 3,593 |
| Participants with account balances | 4,874 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hood & Strong, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $334,724 reported compensation |
| Sageview Advisory Group LLC | $42,000 reported compensation |
| Strategic Advisors, Inc. | $40,653 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014134416NAL0001480227001, received 2025-10-14, EIN 61-1648780, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.