Hillandale Gettysburg, LP 401(k) Review & Grade
Hillandale Gettysburg LP Employee Savings & Retirement Plan
Gettysburg, PAAgriculture, Forestry, Fishing & Hunting884 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,267Employer $ per active participant
$2,482Employee $ saved per active participant
0.68%Direct admin cost, % of plan assets
$34.6MNet plan assets, end of year
$69,122Average balance per account
Score breakdown
- Employer generosity30.3 / 5061th percentile for employer $ per participant
- Low cost3.5 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1557th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 14th |
| Employee saving | 57th |
| Peers that auto-enroll | 36% |
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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
- Hillandale Gettysburg, LP put in about $1,267 per active participant, more than the typical peer ($774). 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 (0.68% 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.
- 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 | $1,120,250 |
| Participant (employee) contributions | $2,195,122 |
| Other contributions (incl. rollovers in) | $4,000 |
| Administrative expenses paid from the plan | $221,468 |
| Investment advisory & management fees | $6,524 |
| Benefits paid out | $3,457,480 |
| Net assets, start / end of year | $31.0M / $34.6M |
| Active participants, start / end of year | 877 / 892 |
| Participants with account balances | 500 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Louis Plung & Company |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $214,944 reported compensation |
| Osaic Wealth Inc | $167,159 reported compensation |
| Mesirow Financial, Inc. | $6,524 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015154645NAL0010124930001, received 2025-10-15, EIN 23-2975280, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.