Green Companies, Inc. & Subsidiaries 401(k) Review & Grade
Green Companies, Inc. 401(k) Plan
Cedar Rapids, IAProfessional, Scientific & Technical Services666 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,587Employer $ per active participant
$11,063Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$115.8MNet plan assets, end of year
$129,507Average balance per account
Score breakdown
- Employer generosity29.5 / 5059th percentile for employer $ per participant
- Low cost17.1 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 68th |
| Employee saving | 68th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $157 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Green Companies, Inc. & Subsidiaries put in about $3,587 per active participant, more than the typical peer ($3,082). 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 | $2,387,264 |
| Participant (employee) contributions | $7,362,628 |
| Other contributions (incl. rollovers in) | $2,326,528 |
| Administrative expenses paid from the plan | $135,556 |
| Other admin expenses | $135,556 |
| Benefits paid out | $9,099,511 |
| Net assets, start / end of year | $99.9M / $115.8M |
| Active participants, start / end of year | 673 / 658 |
| Participants with account balances | 894 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Clifton Larson Allen LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $96,565 reported compensation |
| Vanguard Advisers Inc. | $40,546 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013175412NAL0002516016001, received 2025-10-13, EIN 02-0537858, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.