Guerbet America LLC 401(k) Review & Grade
Guerbet Retirement Savings Plan
Raleigh, NCWholesale Trade526 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,363Employer $ per active participant
$8,342Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$65.9MNet plan assets, end of year
$89,352Average balance per account
Score breakdown
- Employer generosity46.7 / 5093th percentile for employer $ per participant
- Low cost22.1 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 88th |
| Employee saving | 88th |
| Peers that auto-enroll | 53% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Guerbet America put in about $6,363 per active participant, more than the typical peer ($1,792). 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.
- 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 | $3,350,281 |
| Participant (employee) contributions | $4,392,021 |
| Other contributions (incl. rollovers in) | $1,405,207 |
| Administrative expenses paid from the plan | $30,076 |
| Contract administrator fees | $12,571 |
| Benefits paid out | $15,383,950 |
| Net assets, start / end of year | $62.7M / $65.9M |
| Active participants, start / end of year | 482 / 571 |
| Participants with account balances | 738 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| American United Life Insurance Co | $33,584 reported compensation |
| Oneamerica Reitrement Services, LLC | $17,505 reported compensation |
| Matrix Trust Company | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013152159NAL0001511809001, received 2025-10-13, EIN 83-0724239, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.