Elite Comfort Solutions, LLC 401(k) Review & Grade
Elite Comfort Solutions 401(k) Plan
Carthage, MOManufacturing1,082 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$987Employer $ per active participant
$1,726Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$22.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.3 / 5017th percentile for employer $ per participant
- Low cost22.7 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving1.3 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 91th |
| Employee saving | 9th |
| 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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($54 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
- Elite Comfort Solutions put in about $987 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 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 | $1,068,261 |
| Participant (employee) contributions | $1,867,885 |
| Other contributions (incl. rollovers in) | $130,852 |
| Administrative expenses paid from the plan | $7,783 |
| Contract administrator fees | $7,783 |
| Benefits paid out | $2,603,593 |
| Net assets, start / end of year | $19.3M / $22.0M |
| Active participants, start / end of year | 1,097 / 1,067 |
| Participants with account balances | 501 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| T. Rowe Price RPS, Inc. | $18,208 reported compensation |
| Columbia Funds | $0 reported compensation |
| American Funds | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015111038NAL0004675729001, received 2025-10-15, EIN 81-1226830, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.