Applied Medical Resources Corp. 401(k) Review & Grade
Applied Medical Resources Corporation 401(k) Plan
RSM, CAManufacturing3,832 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,411Employer $ per active participant
$6,079Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$226.7MNet plan assets, end of year
$50,535Average balance per account
Score breakdown
- Employer generosity8.3 / 5017th percentile for employer $ per participant
- Low cost12.9 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving7.5 / 1550th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 52th |
| Employee saving | 50th |
| Peers that auto-enroll | 70% |
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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 ($306 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
- Applied Medical Resources put in about $1,411 per active participant, below the typical peer ($3,452). 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 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 | $5,405,551 |
| Participant (employee) contributions | $23,292,969 |
| Other contributions (incl. rollovers in) | $1,107,176 |
| Administrative expenses paid from the plan | $242,042 |
| Benefits paid out | $17,998,959 |
| Net assets, start / end of year | $187.5M / $226.7M |
| Active participants, start / end of year | 3,981 / 3,683 |
| Participants with account balances | 4,485 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Windes, Inc. |
Largest service providers (Schedule C)
| Empower Annuity Ins. Co. of America | $225,112 reported compensation |
| Empower Advisory Group, LLC | $62,418 reported compensation |
| Global Retirement Partners, LLC | $37,567 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008125712NAL0009801952001, received 2025-10-08, EIN 33-0269393, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.