A.l.m. Holding Company 401(k) Review & Grade
Consolidated Retirement Plan
Onalaska, WIConstruction709 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,909Employer $ per active participant
$5,957Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$62.5MNet plan assets, end of year
$77,237Average balance per account
Score breakdown
- Employer generosity44.2 / 5088th percentile for employer $ per participant
- Low cost18.8 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 75th |
| Employee saving | 74th |
| Peers that auto-enroll | 44% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- A.l.m. Holding put in about $4,909 per active participant, more than the typical peer ($1,672). 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.
- 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 | $3,480,577 |
| Participant (employee) contributions | $4,223,610 |
| Other contributions (incl. rollovers in) | $139,620 |
| Administrative expenses paid from the plan | $55,836 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $4,965 |
| Benefits paid out | $9,545,886 |
| Net assets, start / end of year | $55.1M / $62.5M |
| Active participants, start / end of year | 619 / 799 |
| Participants with account balances | 809 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $50,871 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003150111NAL0002532512001, received 2025-10-03, EIN 20-0520252, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.