J. D. Eckman, Inc. 401(k) Review & Grade
J. D. Eckman, Inc. 401k Savings Plan
Atglen, PAConstruction536 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$11,411Employer $ per active participant
$7,715Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$132.6MNet plan assets, end of year
$206,154Average balance per account
Score breakdown
- Employer generosity49.1 / 5098th percentile for employer $ per participant
- Low cost17.4 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score89 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 70th |
| Employee saving | 85th |
| Peers that auto-enroll | 44% |
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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
- J. D. Eckman put in about $11,411 per active participant, more than the typical peer ($1,672). 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 | $6,116,327 |
| Participant (employee) contributions | $4,135,270 |
| Other contributions (incl. rollovers in) | $61,332 |
| Administrative expenses paid from the plan | $146,650 |
| Contract administrator fees | $15,925 |
| Investment advisory & management fees | $56,204 |
| Benefits paid out | $7,079,831 |
| Net assets, start / end of year | $112.5M / $132.6M |
| Active participants, start / end of year | 506 / 566 |
| Participants with account balances | 643 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Trout CPA |
Largest service providers (Schedule C)
| Ic Advisory Services Inc | $74,954 reported compensation |
| Capital Group Retirement Plan Svcs | $42,333 reported compensation |
| Conrad Siegel Actuaries | $27,616 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250902143720NAL0024606816001, received 2025-09-02, EIN 23-1413783, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.