Northwinds Holding, Inc. Https//rgf.fisglobal.com/5500clien 401(k) Review & Grade
Northwinds Holding, Inc. 401(k) Plan
Rochester, NYConstruction812 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,548Employer $ per active participant
$4,964Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$49.3MNet plan assets, end of year
$49,422Average balance per account
Score breakdown
- Employer generosity34.6 / 5069th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 52th |
| Employee saving | 63th |
| Peers that auto-enroll | 44% |
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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
- Northwinds Holding, Inc. Https//rgf.fisglobal.com/5500clien put in about $2,548 per active participant, more than the typical peer ($1,672). 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.
- 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 | $2,070,082 |
| Participant (employee) contributions | $4,033,399 |
| Other contributions (incl. rollovers in) | $1,876,156 |
| Administrative expenses paid from the plan | $83,293 |
| Investment advisory & management fees | $54,515 |
| Benefits paid out | $4,558,959 |
| Net assets, start / end of year | $28.4M / $49.3M |
| Active participants, start / end of year | 799 / 826 |
| Participants with account balances | 998 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bowers Cpa's and Advisors Pplc |
Largest service providers (Schedule C)
| Sage Rutty & Co., Inc. | $54,515 reported compensation |
| Adp, Inc. | $28,778 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260206190118NAL0003399475001, received 2026-02-06, EIN 87-3289944, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.