Abbyland Foods, Inc. 401(k) Review & Grade
Abbyland Foods, Inc. 401(k) Profit Sharing Plan
Abbotsford, WIManufacturing501 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$479Employer $ per active participant
$1,477Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$15.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.3 / 507th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 157th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 53th |
| Employee saving | 7th |
| Peers that auto-enroll | 59% |
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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
- Abbyland Foods put in about $479 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.
- 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.
- 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 | $240,061 |
| Participant (employee) contributions | $740,191 |
| Other contributions (incl. rollovers in) | $14,780 |
| Administrative expenses paid from the plan | $31,774 |
| Benefits paid out | $2,356,092 |
| Net assets, start / end of year | $15.2M / $15.1M |
| Active participants, start / end of year | 100 / 902 |
| Participants with account balances | 201 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| The Standard Insurance Co | $14,097 reported compensation |
| John Hancock Life Insurance Co | $13,417 reported compensation |
| Northwestern Wisconsin Associates | $4,260 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260612092449NAL0005737091001, received 2026-06-12, EIN 39-1018826, plan #001, plan year 2024-09-01 to 2025-08-31. Verify at efast.dol.gov.