Moog, Inc. 401(k) Review & Grade
Moog Inc. Retirement Savings Plan
East Aurora, NYManufacturing7,632 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,646Employer $ per active participant
$10,428Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$1.9BNet plan assets, end of year
$193,879Average balance per account
Score breakdown
- Employer generosity40.6 / 5081th percentile for employer $ per participant
- Low cost19.1 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 76th |
| Employee saving | 84th |
| Peers that auto-enroll | 70% |
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 ($9,651 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $10,834 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Moog put in about $6,646 per active participant, more than the typical peer ($3,452). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $50,728,197 |
| Participant (employee) contributions | $79,594,130 |
| Other contributions (incl. rollovers in) | $13,673,381 |
| Administrative expenses paid from the plan | $1,003,075 |
| Investment advisory & management fees | $384,529 |
| Other admin expenses | $56,550 |
| Benefits paid out | $149,718,089 |
| Net assets, start / end of year | $1.8B / $1.9B |
| Active participants, start / end of year | 7,630 / 7,635 |
| Participants with account balances | 9,920 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withum Smith & Brown, PC |
| Employer stock held by plan | $369,929,005 |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $561,996 reported compensation |
| Empower Advisory Group, LLC | $384,529 reported compensation |
| Qdro Consultants | $2,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260327080324NAL0006691665001, received 2026-03-27, EIN 16-0757636, plan #002, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.