JX Enterprises, Inc. 401(k) Review & Grade
JX Enterprises, Inc. Employee Retirement Savings Plan
Hartland, WIWholesale Trade1,092 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,375Employer $ per active participant
$5,764Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$91.8MNet plan assets, end of year
$57,205Average balance per account
Score breakdown
- Employer generosity31.5 / 5063th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 52th |
| Employee saving | 66th |
| Peers that auto-enroll | 53% |
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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
- JX Enterprises put in about $2,375 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.
- 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 | $2,592,828 |
| Participant (employee) contributions | $6,291,946 |
| Other contributions (incl. rollovers in) | $677,490 |
| Administrative expenses paid from the plan | $182,808 |
| Investment advisory & management fees | $67,983 |
| Benefits paid out | $8,033,750 |
| Net assets, start / end of year | $78.7M / $91.8M |
| Active participants, start / end of year | 1,112 / 1,071 |
| Participants with account balances | 1,605 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $96,850 reported compensation |
| Ubs Financial Services Inc | $67,983 reported compensation |
| Cliftonlarsonallen LLC | $17,975 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014104003NAL0003663408006, received 2025-10-14, EIN 39-1157251, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.