Plan Ledger DOL Form 5500 · updated monthly

Grade my 401(k)

Look up your employer and get a peer grade for its plan: how its administrative costs and employer contributions compare against plans of the same size, computed from its own federal filings.

How the grade works

Plans earn points on two measures, each judged against all plans in the same asset-size bracket for the same year: the reported administrative expense ratio (cheaper than peers scores higher) and employer contributions per active participant (more generous scores higher). Top-quartile on both is an A; bottom-quartile on both is a D. Plans missing either measure, which is common where costs are paid through fund revenue-sharing, get no grade rather than a guess.

What it does not capture

Fund expense ratios, usually your largest cost, are not in the public structured data, and neither is the match formula or vesting schedule. Treat the grade as a peer comparison on the two things the public record measures consistently, not a verdict on everything. Details: methodology.

Or start from a ranking