Ahf, LLC DBA Ahf Products 401(k) Review & Grade
Ahf Products 401(k) Savings Plan
Mountville, PAManufacturing1,880 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,129Employer $ per active participant
$5,608Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$101.1MNet plan assets, end of year
$44,500Average balance per account
Score breakdown
- Employer generosity23.0 / 5046th percentile for employer $ per participant
- Low cost12.3 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 49th |
| Employee saving | 60th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($86,964 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $2,394 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ahf, LLC DBA Ahf Products put in about $2,129 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 | $4,002,157 |
| Participant (employee) contributions | $10,539,907 |
| Other contributions (incl. rollovers in) | $14,728,120 |
| Administrative expenses paid from the plan | $205,736 |
| Investment advisory & management fees | $31,343 |
| Benefits paid out | $13,025,417 |
| Net assets, start / end of year | $73.7M / $101.1M |
| Active participants, start / end of year | 1,671 / 2,088 |
| Participants with account balances | 2,271 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | KPMG LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $174,393 reported compensation |
| Creative Planning | $31,250 reported compensation |
| Charles Schwab & Co., Inc. | $93 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251113172317NAL0003452850001, received 2025-11-13, EIN 62-0435299, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.