Offset Paperback Mfrs., Inc. 401(k) Review & Grade
Bertelsmann Printing Group 401(k) and Profit Sharing Plan
Dallas, PAManufacturing1,050 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$557Employer $ per active participant
$3,294Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$88.4MNet plan assets, end of year
$67,449Average balance per account
Score breakdown
- Employer generosity4.0 / 508th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 87th |
| Employee saving | 27th |
| Peers that auto-enroll | 59% |
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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
- Offset Paperback Mfrs. put in about $557 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 | $584,093 |
| Participant (employee) contributions | $3,457,560 |
| Other contributions (incl. rollovers in) | $250,840 |
| Administrative expenses paid from the plan | $44,874 |
| Investment advisory & management fees | $23,801 |
| Other admin expenses | $7,749 |
| Benefits paid out | $10,935,237 |
| Net assets, start / end of year | $85.4M / $88.4M |
| Active participants, start / end of year | 1,061 / 1,038 |
| Participants with account balances | 1,311 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $24,970 reported compensation |
| Fidelity Investments Institutional | $13,324 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015182007NAL0010710434001, received 2025-10-15, EIN 23-1873471, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.