FFF Enterprises, Inc. 401(k) Review & Grade
FFF Enterprises 401(k) Profit Sharing Plan
Temecula, CAWholesale Trade656 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,156Employer $ per active participant
$9,032Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$53.0MNet plan assets, end of year
$71,956Average balance per account
Score breakdown
- Employer generosity14.9 / 5030th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 40th |
| Employee saving | 91th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $7,874 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- FFF Enterprises put in about $1,156 per active participant, below the typical peer ($1,792). 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 | $758,975 |
| Participant (employee) contributions | $5,929,810 |
| Other contributions (incl. rollovers in) | $579,960 |
| Administrative expenses paid from the plan | $148,441 |
| Investment advisory & management fees | $105,907 |
| Benefits paid out | $3,613,387 |
| Net assets, start / end of year | $44.3M / $53.0M |
| Active participants, start / end of year | 602 / 711 |
| Participants with account balances | 737 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith & Brown |
Largest service providers (Schedule C)
| Global Retirement Partners LLC | $80,827 reported compensation |
| Fidelity Investments Institutional | $42,534 reported compensation |
| Strategic Advisors, Inc. | $25,080 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916143749NAL0001362227001, received 2025-09-16, EIN 33-0309114, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.