Pyrotek Incorporated 401(k) Review & Grade
Pyrotek, Inc. 401(k) and Profit Sharing Plan
Spokane, WAManufacturing652 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,745Employer $ per active participant
$7,826Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$105.2MNet plan assets, end of year
$129,220Average balance per account
Score breakdown
- Employer generosity29.3 / 5059th percentile for employer $ per participant
- Low cost11.4 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 45th |
| Employee saving | 79th |
| 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
- Pyrotek Incorporated put in about $2,745 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 | $1,788,690 |
| Participant (employee) contributions | $5,098,547 |
| Other contributions (incl. rollovers in) | $358,211 |
| Administrative expenses paid from the plan | $267,492 |
| Contract administrator fees | $115,829 |
| Investment advisory & management fees | $151,663 |
| Benefits paid out | $11,026,885 |
| Net assets, start / end of year | $97.9M / $105.2M |
| Active participants, start / end of year | 664 / 639 |
| Participants with account balances | 814 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| LPL Financial LLC - Rpcp | $151,680 reported compensation |
| Principal Life Insurance Company | $115,829 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260107164154NAL0007898673001, received 2026-01-07, EIN 91-0699706, plan #003, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.