Oxford Industries, Inc. 401(k) Review & Grade
The Oxford Industries, Inc. Retirement Savings Pla
Atlanta, GAManufacturing6,732 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$976Employer $ per active participant
$1,875Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$218.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.5 / 5011th percentile for employer $ per participant
- Low cost13.8 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 157th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score23 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 55th |
| Employee saving | 7th |
| 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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Oxford Industries put in about $976 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.
- 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 | $6,567,351 |
| Participant (employee) contributions | $12,622,179 |
| Other contributions (incl. rollovers in) | $2,388,550 |
| Administrative expenses paid from the plan | $220,423 |
| Contract administrator fees | $300 |
| Benefits paid out | $22,130,458 |
| Net assets, start / end of year | $191.9M / $218.4M |
| Active participants, start / end of year | 6,666 / 6,797 |
| Participants with account balances | 2,806 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frazier & Deeter, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $150,951 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730082138NAL0004352785005, received 2025-07-30, EIN 58-0831862, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.