A. Stucki Company 401(k) Review & Grade
A. Stucki Company 401(k) Profit Sharing Plan and Trust
Moon Township, PAManufacturing806 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,260Employer $ per active participant
$4,387Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$35.3MNet plan assets, end of year
$39,590Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost7.9 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 32th |
| Employee saving | 43th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Auditor concern: the independent auditor gave a qualified or adverse opinion.
What to do if you're in this plan
- A. Stucki put in about $2,260 per active participant, below the typical peer ($2,320). 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.
- Direct plan expenses (0.39% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,820,363 |
| Participant (employee) contributions | $3,533,986 |
| Other contributions (incl. rollovers in) | $403,438 |
| Administrative expenses paid from the plan | $128,341 |
| Contract administrator fees | $128,341 |
| Benefits paid out | $5,105,631 |
| Net assets, start / end of year | $30.9M / $35.3M |
| Active participants, start / end of year | 1,017 / 594 |
| Participants with account balances | 892 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grossman Yanak-Ford LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $128,340 reported compensation |
| Alliant Insurance Services, Inc. | $49,799 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015120729NAL0004798497001, received 2025-10-15, EIN 20-8608763, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.