Fencing Supply Group Acquisition, LLC 401(k) Review & Grade
Fencing Supply Group 401(k) Plan
Atlanta, GARetail Trade1,076 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,382Employer $ per active participant
$4,129Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$51.2MNet plan assets, end of year
$44,920Average balance per account
Score breakdown
- Employer generosity44.6 / 5089th percentile for employer $ per participant
- Low cost7.2 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 29th |
| Employee saving | 67th |
| Peers that auto-enroll | 48% |
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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
- Fencing Supply Group Acquisition put in about $2,382 per active participant, more than the typical peer ($743). 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.
- Direct plan expenses (0.42% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,561,866 |
| Participant (employee) contributions | $4,440,792 |
| Other contributions (incl. rollovers in) | $1,053,289 |
| Administrative expenses paid from the plan | $202,624 |
| Contract administrator fees | $83,538 |
| Investment advisory & management fees | $119,086 |
| Benefits paid out | $8,926,553 |
| Net assets, start / end of year | $45.2M / $51.2M |
| Active participants, start / end of year | 1,086 / 1,065 |
| Participants with account balances | 1,139 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Calvetti Ferguson |
Largest service providers (Schedule C)
| Alliant Insurance Services, Inc. | $116,747 reported compensation |
| John Hancock | $85,877 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015104248NAL0009139458001, received 2025-10-15, EIN 85-3914086, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.