Auto-Chlor System of Washington, Inc. 401(k) Review & Grade
Auto-Chlor System, Inc. Profit Sharing and 401(k) Plan
Mountain View, CAReal Estate & Rental909 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,117Employer $ per active participant
$3,390Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$90.7MNet plan assets, end of year
$89,913Average balance per account
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost19.1 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 77th |
| Employee saving | 48th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $13,837 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Auto-Chlor System of Washington put in about $4,117 per active participant, more than the typical peer ($1,279). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $3,742,440 |
| Participant (employee) contributions | $3,081,234 |
| Other contributions (incl. rollovers in) | $286,209 |
| Administrative expenses paid from the plan | $76,963 |
| Investment advisory & management fees | $32,296 |
| Benefits paid out | $7,875,598 |
| Net assets, start / end of year | $80.5M / $90.7M |
| Active participants, start / end of year | 876 / 942 |
| Participants with account balances | 1,009 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| Epic Retirement Plan Services | $39,790 reported compensation |
| Silicon Valley Retirement Services | $32,296 reported compensation |
| Charles Schwab Trust Bank | $7,628 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015155806NAL0002708691002, received 2025-10-15, EIN 91-0832878, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.