Four Seasons Produce, Inc. 401(k) Review & Grade
Four Seasons Retirement Savings Plan
Ephrata, PAWholesale Trade890 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,378Employer $ per active participant
$4,382Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$47.4MNet plan assets, end of year
$47,022Average balance per account
Score breakdown
- Employer generosity18.6 / 5037th percentile for employer $ per participant
- Low cost9.9 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 40th |
| Employee saving | 45th |
| Peers that auto-enroll | 53% |
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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
- Four Seasons Produce put in about $1,378 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 | $1,226,068 |
| Participant (employee) contributions | $3,899,650 |
| Other contributions (incl. rollovers in) | $148,459 |
| Administrative expenses paid from the plan | $138,421 |
| Other admin expenses | $15,354 |
| Benefits paid out | $5,792,322 |
| Net assets, start / end of year | $42.2M / $47.4M |
| Active participants, start / end of year | 868 / 912 |
| Participants with account balances | 1,007 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $138,421 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916104130NAL0001261171001, received 2025-09-16, EIN 23-2013420, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.