Amphastar Pharmaceuticals, Inc. 401(k) Review & Grade
Amphastar Pharmaceuticals, Inc. 401(k) Profit Sharing Plan
Rancho Cucamonga, CAManufacturing1,436 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,766Employer $ per active participant
$6,219Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$111.8MNet plan assets, end of year
$72,599Average balance per account
Score breakdown
- Employer generosity18.5 / 5037th percentile for employer $ per participant
- Low cost15.4 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 62th |
| Employee saving | 66th |
| 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
- Amphastar Pharmaceuticals put in about $1,766 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 | $2,536,734 |
| Participant (employee) contributions | $8,933,580 |
| Other contributions (incl. rollovers in) | $115,144 |
| Administrative expenses paid from the plan | $161,550 |
| Investment advisory & management fees | $23,694 |
| Other admin expenses | $38,987 |
| Benefits paid out | $6,281,927 |
| Net assets, start / end of year | $92.7M / $111.8M |
| Active participants, start / end of year | 1,341 / 1,532 |
| Participants with account balances | 1,540 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kieckhafer Schiffer LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $98,869 reported compensation |
| Strategic Advisors, Inc. | $23,694 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250813155825NAL0011054496001, received 2025-08-13, EIN 33-0702205, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.