Graebel Companies, Inc. 401(k) Review & Grade
Graebel Employees' 401(k) Plan
Aurora, COTransportation & Warehousing675 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,318Employer $ per active participant
$5,341Employee $ saved per active participant
0.53%Direct admin cost, % of plan assets
$57.8MNet plan assets, end of year
$69,999Average balance per account
Score breakdown
- Employer generosity28.5 / 5057th percentile for employer $ per participant
- Low cost5.3 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 21th |
| Employee saving | 77th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Graebel Companies put in about $1,318 per active participant, more than the typical peer ($1,070). 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 (0.53% 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 | $889,898 |
| Participant (employee) contributions | $3,605,449 |
| Other contributions (incl. rollovers in) | $458,084 |
| Administrative expenses paid from the plan | $291,329 |
| Investment advisory & management fees | $172,110 |
| Other admin expenses | $51,430 |
| Benefits paid out | $6,206,570 |
| Net assets, start / end of year | $52.9M / $57.8M |
| Active participants, start / end of year | 648 / 702 |
| Participants with account balances | 826 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $67,789 reported compensation |
| Cook Street Consulting Inc | $26,095 reported compensation |
| Cook Street Consulting | $25,335 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916101933NAL0001121507001, received 2025-09-16, EIN 36-4431621, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.