Interstate Group LLC 401(k) Review & Grade
Interstate Group 401(k) Plan
Nampa, IDRetail Trade590 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$685Employer $ per active participant
$2,288Employee $ saved per active participant
0.68%Direct admin cost, % of plan assets
$8.6MNet plan assets, end of year
$17,349Average balance per account
Score breakdown
- Employer generosity23.5 / 5047th percentile for employer $ per participant
- Low cost3.4 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1538th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 14th |
| Employee saving | 38th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $19,279 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Interstate Group put in about $685 per active participant, below the typical peer ($743). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $404,001 |
| Participant (employee) contributions | $1,348,955 |
| Other contributions (incl. rollovers in) | $94,138 |
| Administrative expenses paid from the plan | $53,053 |
| Investment advisory & management fees | $10,396 |
| Benefits paid out | $1,084,893 |
| Net assets, start / end of year | $6.9M / $8.6M |
| Active participants, start / end of year | 580 / 599 |
| Participants with account balances | 496 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $53,053 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010052633NAL0017160066001, received 2025-10-10, EIN 37-1398268, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.