Ensign-Bickford Industries, Inc. 401(k) Review & Grade
401(k) Savings Plan of Ensign-Bickford Industries, Inc.
Denver, COManufacturing1,317 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,860Employer $ per active participant
$8,720Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$266.4MNet plan assets, end of year
$127,045Average balance per account
Score breakdown
- Employer generosity43.6 / 5087th percentile for employer $ per participant
- Low cost19.5 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 78th |
| Employee saving | 84th |
| Peers that auto-enroll | 59% |
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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
- Ensign-Bickford Industries put in about $5,860 per active participant, more than the typical peer ($2,320). 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.
- 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 | $7,718,106 |
| Participant (employee) contributions | $11,483,678 |
| Other contributions (incl. rollovers in) | $1,704,305 |
| Administrative expenses paid from the plan | $212,338 |
| Other admin expenses | $48,327 |
| Benefits paid out | $27,085,441 |
| Net assets, start / end of year | $243.1M / $266.4M |
| Active participants, start / end of year | 1,266 / 1,368 |
| Participants with account balances | 2,097 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Brock and Company Cpas P.C. |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $131,220 reported compensation |
| Fiducient Advisors | $47,227 reported compensation |
| Brock and Company | $19,900 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820104514NAL0001562403001, received 2025-08-20, EIN 06-0876668, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.