Andrew & Williamson Sales Co., Inc. 401(k) Review & Grade
Andrew & Williamson Sales Company, Inc. Retirement Savings Plan
San Diego, CAWholesale Trade578 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,130Employer $ per active participant
$1,566Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$27.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving1.2 / 158th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 79th |
| Employee saving | 8th |
| Peers that auto-enroll | 53% |
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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
- Andrew & Williamson Sales Co. put in about $1,130 per active participant, below the typical peer ($1,792). 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 | $652,892 |
| Participant (employee) contributions | $904,982 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $20,259 |
| Contract administrator fees | $20,259 |
| Benefits paid out | $274,584 |
| Net assets, start / end of year | $23.5M / $27.5M |
| Active participants, start / end of year | 730 / 426 |
| Participants with account balances | 232 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | JGD & Associates, LLP |
Largest service providers (Schedule C)
| Employee Fiduciary, LLC | $20,259 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250908153631NAL0032650432001, received 2025-09-08, EIN 33-0358167, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.