Key Tronic Corporation 401(k) Review & Grade
Key Tronic 401(k) Retirement Savings Plan
Spokane Valley, WAWholesale Trade1,131 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,207Employer $ per active participant
$2,655Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$51.2MNet plan assets, end of year
$85,234Average balance per account
Score breakdown
- Employer generosity15.5 / 5031th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving2.7 / 1518th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 61th |
| Employee saving | 18th |
| Peers that auto-enroll | 53% |
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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($8,708 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Key Tronic put in about $1,207 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,365,458 |
| Participant (employee) contributions | $3,002,889 |
| Other contributions (incl. rollovers in) | $793,051 |
| Administrative expenses paid from the plan | $81,146 |
| Investment advisory & management fees | $42,696 |
| Benefits paid out | $8,798,784 |
| Net assets, start / end of year | $49.7M / $51.2M |
| Active participants, start / end of year | 1,055 / 1,207 |
| Participants with account balances | 601 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA PC |
| Employer stock held by plan | $824,889 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $38,550 reported compensation |
| Usi Advisors Inc | $37,698 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260406160502NAL0007439633001, received 2026-04-06, EIN 91-0849125, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.