Pride Industries 401(k) Review & Grade
Pride Industries 401(k) Retirement Plan
Roseville, CAConstruction3,938 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,955Employer $ per active participant
$1,572Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$159.7MNet plan assets, end of year
$36,181Average balance per account
Score breakdown
- Employer generosity34.0 / 5068th percentile for employer $ per participant
- Low cost9.6 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 38th |
| Employee saving | 15th |
| Peers that auto-enroll | 57% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($398,269 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Pride Industries put in about $2,955 per active participant, more than the typical peer ($1,965). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $11,638,115 |
| Participant (employee) contributions | $6,191,187 |
| Other contributions (incl. rollovers in) | $751,095 |
| Administrative expenses paid from the plan | $265,060 |
| Benefits paid out | $12,288,702 |
| Net assets, start / end of year | $134.9M / $159.7M |
| Active participants, start / end of year | 4,041 / 3,835 |
| Participants with account balances | 4,414 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $265,060 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260325164056NAL0003896993001, received 2026-03-25, EIN 94-1650529, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.