L & J.G. Stickley, Inc. 401(k) Review & Grade
L & J.G. Stickley, Inc. 401(k) Salary Savings Plan
Manlius, NYManufacturing550 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$571Employer $ per active participant
$3,441Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$53.4MNet plan assets, end of year
$90,062Average balance per account
Score breakdown
- Employer generosity4.1 / 508th percentile for employer $ per participant
- Low cost18.8 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 75th |
| Employee saving | 29th |
| Peers that auto-enroll | 59% |
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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
- L & J.G. Stickley put in about $571 per active participant, below the typical peer ($2,320). 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 | $313,676 |
| Participant (employee) contributions | $1,890,628 |
| Other contributions (incl. rollovers in) | $742,460 |
| Administrative expenses paid from the plan | $49,876 |
| Investment advisory & management fees | $34,765 |
| Other admin expenses | $15,111 |
| Benefits paid out | $7,199,984 |
| Net assets, start / end of year | $51.3M / $53.4M |
| Active participants, start / end of year | 580 / 519 |
| Participants with account balances | 593 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Fust Charles LLP |
Largest service providers (Schedule C)
| Gallagher Benefit Services Inc DBA | $33,750 reported compensation |
| RBC Capital Markets LLC | $15,111 reported compensation |
| Empower Advisory Group, LLC | $1,015 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929091320NAL0014960243001, received 2025-09-29, EIN 15-0459630, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.