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Grade My 401(k)
Built by Basic Capital
2 critical issues

Analog Devices, Inc.

04-2348234· Wilmington, MA· Fidelity· 2025 filing· vs 34 plans your size
B
0/100
Overall grade

Solid plan with a few things to improve.

A
Fees
A
Financial Wellness
A
Plan design
F
Compliance
Fees

Your plan pays around 1 bps of assets per year. Similar plans pay around 11 bps. Your plan is cheaper than about 97% of similar plans.

A
cheaper3th percentilepricier
Financial Wellness

Strong savings. Employees put away $16,443/employee a year. That's more than 97% of similar plans.

A
lower97th percentilehigher
Plan design

Covers the basics. A few high-impact features are missing.

A
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
Brokerage window
Employees can invest beyond the core fund menu through a self-directed brokerage account.
Compliance & health

2 critical issues on the latest filing. These need attention.

F
Failed IRS fairness test
The plan failed its annual IRS fairness test and had to refund contributions to higher-paid employees. A safe harbor design eliminates this problem entirely.
Late employee deposits
Employee 401(k) deposits didn't reach the plan on time. The DOL treats this as a prohibited transaction, and it's one of the most common audit triggers. It needs a formal correction, not just a late deposit.
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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Key insights

  • Strongest area: plan design. Covers the basics. A few high-impact features are missing.
  • Best place to improve: compliance & health. 2 critical issues on the latest filing. These need attention.
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