Accupac, LLC 401(k) Review & Grade
Accupac, LLC 401(k) Plan
Mainland, PAManufacturing860 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,921Employer $ per active participant
$4,803Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$31.3MNet plan assets, end of year
$28,947Average balance per account
Score breakdown
- Employer generosity20.7 / 5041th percentile for employer $ per participant
- Low cost11.4 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th 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 | 41th |
| Lower admin cost | 46th |
| Employee saving | 48th |
| Peers that auto-enroll | 59% |
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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($130,850 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Accupac put in about $1,921 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,650,703 |
| Participant (employee) contributions | $4,128,033 |
| Other contributions (incl. rollovers in) | $190,335 |
| Administrative expenses paid from the plan | $76,082 |
| Investment advisory & management fees | $67,692 |
| Benefits paid out | $4,774,133 |
| Net assets, start / end of year | $26.6M / $31.3M |
| Active participants, start / end of year | 808 / 911 |
| Participants with account balances | 1,083 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| BCG Securities | $67,692 reported compensation |
| Fidelity Investments Institutional | $8,390 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015101711NAL0008699218001, received 2025-10-15, EIN 23-2017278, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.