Constructural Dynamics Inc Ta Silvi Concrete Products Inc 401(k) Review & Grade
Silvi Concrete Products, Inc. 401(k) Plan
Fairless Hills, PAManufacturing533 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,475Employer $ per active participant
$5,394Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$38.9MNet plan assets, end of year
$65,396Average balance per account
Score breakdown
- Employer generosity15.2 / 5030th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1557th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 87th |
| Employee saving | 57th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $12,505 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Constructural Dynamics Inc Ta Silvi Concrete Products put in about $1,475 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.
- 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 | $785,912 |
| Participant (employee) contributions | $2,874,864 |
| Other contributions (incl. rollovers in) | $68,509 |
| Administrative expenses paid from the plan | $18,796 |
| Investment advisory & management fees | $5,306 |
| Benefits paid out | $2,632,996 |
| Net assets, start / end of year | $33.5M / $38.9M |
| Active participants, start / end of year | 530 / 536 |
| Participants with account balances | 595 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Stephano Slack LLC |
Largest service providers (Schedule C)
| Sentry Life Insurance Company | $13,490 reported compensation |
| Morningstar Investment Management | $5,306 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013091822NAL0001582912001, received 2025-10-13, EIN 23-2286881, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.