Guardian Fueling Technologies LLC 401(k) Review & Grade
Guardian Fueling Technologies, LLC 401(k) Plan
Jacksonville, FLOther Services645 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,277Employer $ per active participant
$5,610Employee $ saved per active participant
0.65%Direct admin cost, % of plan assets
$26.7MNet plan assets, end of year
$35,081Average balance per account
Score breakdown
- Employer generosity25.3 / 5051th percentile for employer $ per participant
- Low cost3.8 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving12.0 / 1580th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 15th |
| Employee saving | 80th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Auditor concern: the independent auditor gave a qualified or adverse opinion.
What to do if you're in this plan
- Guardian Fueling Technologies put in about $1,277 per active participant, more than the typical peer ($1,257). 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 (0.65% 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 | $823,433 |
| Participant (employee) contributions | $3,618,440 |
| Other contributions (incl. rollovers in) | $620,848 |
| Administrative expenses paid from the plan | $157,897 |
| Contract administrator fees | $157,897 |
| Benefits paid out | $3,241,436 |
| Net assets, start / end of year | $22.0M / $26.7M |
| Active participants, start / end of year | 613 / 677 |
| Participants with account balances | 762 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Howard and Company Cpas |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $157,897 reported compensation |
| Mai Capital Management, LLC | $56,357 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008082857NAL0009013520001, received 2025-10-08, EIN 59-3666776, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.