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Basic Capital
Clean filingTerminating

Zephyr Holdings, Inc.

81-1666020· Edmonds, WA· 2024 filing· vs 1,821 plans your size in your industry
D
0/100
Overall grade

Below average. Several areas need attention.

F
Fees
estimated
–
Financial Wellness
D
Plan design
A
Compliance
Fees
Estimated · fees not public

We estimate 110 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.

F
cheaper100th percentilepricier
Financial Wellness
n/a
Plan design

Good base, but no automatic enrollment. That's the top thing to add.

D
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.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Safe harbor
Guaranteed employer contributions exempt the plan from annual IRS testing, so owners and higher earners can contribute the full limit.
Brokerage window
Employees can invest beyond the core fund menu through a self-directed brokerage account.
No Mega Backdoor Roth
High earners are capped at the standard contribution limit. A Mega Backdoor Roth lets them save well past it with after-tax dollars converted to Roth, and it's one of the most-requested features at competitive companies.
Compliance & health

1 item to review, nothing critical.

A
Insurance bond looks low
The plan's required insurance bond looks smaller than the 10% of assets the law requires. Easy to fix, but a clear gap until it is.
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Key insights

  • Strongest area: compliance & health. 1 item to review, nothing critical.
  • Best place to improve: fees. We estimate 110 bps all-in for a plan this size, covering AUA, per-employee, and admin costs.
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