Karcher North America, Inc 401(k) Review & Grade
Karcher North America, Inc. 401(k) Savings Plan
Aurora, COManufacturing716 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,731Employer $ per active participant
$4,887Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$67.7MNet plan assets, end of year
$69,614Average balance per account
Score breakdown
- Employer generosity29.2 / 5058th percentile for employer $ per participant
- Low cost15.1 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 61th |
| Employee saving | 49th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Karcher North America put in about $2,731 per active participant, more than the typical peer ($2,320). 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.
- 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 | $1,953,856 |
| Participant (employee) contributions | $3,496,780 |
| Other contributions (incl. rollovers in) | $156,756 |
| Administrative expenses paid from the plan | $110,035 |
| Benefits paid out | $12,024,368 |
| Net assets, start / end of year | $66.4M / $67.7M |
| Active participants, start / end of year | 732 / 699 |
| Participants with account balances | 972 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $110,035 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731102324NAL0006903120001, received 2025-07-31, EIN 13-3129757, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.