Potlatchdeltic Corporation 401(k) Review & Grade
Potlatchdeltic Hourly 401(k) Plan
Spokane, WAManufacturing980 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,423Employer $ per active participant
$4,730Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$74.2MNet plan assets, end of year
$62,401Average balance per account
Score breakdown
- Employer generosity26.2 / 5052th percentile for employer $ per participant
- Low cost11.3 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 45th |
| Employee saving | 47th |
| 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
- Potlatchdeltic put in about $2,423 per active participant, more than the typical peer ($2,320). 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 | $2,374,412 |
| Participant (employee) contributions | $4,635,139 |
| Other contributions (incl. rollovers in) | $98,775 |
| Administrative expenses paid from the plan | $191,846 |
| Investment advisory & management fees | $79,700 |
| Benefits paid out | $10,456,785 |
| Net assets, start / end of year | $70.8M / $74.2M |
| Active participants, start / end of year | 992 / 968 |
| Participants with account balances | 1,189 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crowe, LLP |
| Employer stock held by plan | $2,339,096 |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $109,024 reported compensation |
| Empower Advisory Group, LLC | $79,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926102317NAL0003946739001, received 2025-09-26, EIN 82-0156045, plan #106, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.