Kellwood Company, LLC 401(k) Review & Grade
Kellwood Company Retirement Savings Plan
City of Industry, CAWholesale Trade600 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,137Employer $ per active participant
$5,146Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$124.7MNet plan assets, end of year
$105,548Average balance per account
Score breakdown
- Employer generosity14.6 / 5029th percentile for employer $ per participant
- Low cost13.9 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 56th |
| Employee saving | 58th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Kellwood Company put in about $1,137 per active participant, below the typical peer ($1,792). 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.
- 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 | $682,622 |
| Participant (employee) contributions | $3,090,434 |
| Other contributions (incl. rollovers in) | $82,818 |
| Administrative expenses paid from the plan | $225,886 |
| Other admin expenses | $72,000 |
| Benefits paid out | $10,581,449 |
| Net assets, start / end of year | $109.9M / $124.7M |
| Active participants, start / end of year | 432 / 769 |
| Participants with account balances | 1,181 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $137,191 reported compensation |
| Morganstanleysmithbarneyllc | $72,000 reported compensation |
| Armanino LLP | $16,695 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911193345NAL0000410579001, received 2025-09-11, EIN 36-2472410, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.