Hunter Engineering Company 401(k) Review & Grade
Hunter Engineering Company 401k Plan
Bridgeton, MOProfessional, Scientific & Technical Services1,182 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,186Employer $ per active participant
$4,243Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$164.6MNet plan assets, end of year
$110,422Average balance per account
Score breakdown
- Employer generosity40.2 / 5080th percentile for employer $ per participant
- Low cost24.9 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 100th |
| Employee saving | 22th |
| Peers that auto-enroll | 48% |
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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
- Hunter Engineering put in about $6,186 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 | $7,309,300 |
| Participant (employee) contributions | $5,013,472 |
| Other contributions (incl. rollovers in) | $1,112,673 |
| Administrative expenses paid from the plan | $2,610 |
| Contract administrator fees | $2,429 |
| Benefits paid out | $23,044,665 |
| Net assets, start / end of year | $155.2M / $164.6M |
| Active participants, start / end of year | 1,108 / 1,255 |
| Participants with account balances | 1,491 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Global Retirement Partners LLC | $125,206 reported compensation |
| MML Investors Services, LLC | $8,834 reported compensation |
| Empower Annuity Insurance Company | $1,581 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251028114832NAL0017341922001, received 2025-10-28, EIN 43-0636684, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.