Lacerta Group, LLC 401(k) Review & Grade
Lacerta Group, LLC 401(k) Plan
Mansfield, MAManufacturing538 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,031Employer $ per active participant
$1,902Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$6.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.8 / 5018th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving1.6 / 1511th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 59th |
| Employee saving | 11th |
| 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
- Lacerta Group put in about $1,031 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 | $554,825 |
| Participant (employee) contributions | $1,023,424 |
| Other contributions (incl. rollovers in) | $87,481 |
| Administrative expenses paid from the plan | $9,350 |
| Contract administrator fees | $8,500 |
| Other admin expenses | $850 |
| Benefits paid out | $694,462 |
| Net assets, start / end of year | $4.7M / $6.3M |
| Active participants, start / end of year | 506 / 570 |
| Participants with account balances | 179 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| NFP Retirement Inc | $12,366 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250618165423NAL0006191842001, received 2025-06-18, EIN 04-3180539, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.