Mountaire Corporation 401(k) Review & Grade
Mountaire Corporation & Subsidiaries Retirement Plan
Little Rock, ARManufacturing8,668 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,890Employer $ per active participant
$2,959Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$439.9MNet plan assets, end of year
$42,932Average balance per account
Score breakdown
- Employer generosity28.5 / 5057th percentile for employer $ per participant
- Low cost8.8 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 35th |
| Employee saving | 15th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,267 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Mountaire put in about $3,890 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.
- Direct plan expenses (0.20% 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.
- 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 | $33,721,666 |
| Participant (employee) contributions | $25,650,444 |
| Other contributions (incl. rollovers in) | $946,879 |
| Administrative expenses paid from the plan | $792,727 |
| Contract administrator fees | $507,313 |
| Investment advisory & management fees | $90,723 |
| Benefits paid out | $49,147,616 |
| Net assets, start / end of year | $363.6M / $439.9M |
| Active participants, start / end of year | 8,434 / 8,902 |
| Participants with account balances | 10,246 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frost, PLLC |
Largest service providers (Schedule C)
| Lincoln Financial | $507,313 reported compensation |
| Empower Annuity Insurance Company O | $200,316 reported compensation |
| Pension Consultants Inc | $90,723 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260522094058NAL0003128305001, received 2026-05-22, EIN 71-0361768, plan #001, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.