Mi Windows and Doors, LLC 401(k) Review & Grade
Miter Brands 401(k) Plan
Harrisburg, PAManufacturing5,244 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,324Employer $ per active participant
$4,845Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$303.8MNet plan assets, end of year
$49,999Average balance per account
Score breakdown
- Employer generosity16.7 / 5033th percentile for employer $ per participant
- Low cost5.3 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 21th |
| Employee saving | 34th |
| Peers that auto-enroll | 70% |
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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
- Mi Windows and Doors put in about $2,324 per active participant, below the typical peer ($3,452). 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.
- Direct plan expenses (0.32% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $12,183,787 |
| Participant (employee) contributions | $25,403,052 |
| Other contributions (incl. rollovers in) | $908,416 |
| Administrative expenses paid from the plan | $893,905 |
| Investment advisory & management fees | $185,598 |
| Benefits paid out | $26,313,649 |
| Net assets, start / end of year | $255.3M / $303.8M |
| Active participants, start / end of year | 5,125 / 5,362 |
| Participants with account balances | 6,076 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RKL LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $326,553 reported compensation |
| Valley Forge Investment Consultants | $125,000 reported compensation |
| Empower Advisory Group, LLC | $60,598 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260128141010NAL0003404881001, received 2026-01-28, EIN 95-1901059, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.