S.C. Companies, Inc. 401(k) Review & Grade
Stanley Retirement Plan · d/b/a Stanley Building
Muscatine, IAProfessional, Scientific & Technical Services818 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,176Employer $ per active participant
$11,439Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$329.6MNet plan assets, end of year
$224,539Average balance per account
Score breakdown
- Employer generosity40.1 / 5080th percentile for employer $ per participant
- Low cost19.1 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1569th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 77th |
| Employee saving | 69th |
| Peers that auto-enroll | 48% |
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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
- S.C. Companies put in about $6,176 per active participant, more than the typical peer ($3,082). 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.
- 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 | $5,055,300 |
| Participant (employee) contributions | $9,362,766 |
| Other contributions (incl. rollovers in) | $2,322,996 |
| Administrative expenses paid from the plan | $293,211 |
| Contract administrator fees | $203,801 |
| Investment advisory & management fees | $78,385 |
| Benefits paid out | $28,040,217 |
| Net assets, start / end of year | $325.1M / $329.6M |
| Active participants, start / end of year | 806 / 831 |
| Participants with account balances | 1,468 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Anderson, Lower, Whitlow, P.C. |
Largest service providers (Schedule C)
| Vanguard Fiduciary Trust Company | $203,801 reported compensation |
| Captrust | $78,385 reported compensation |
| Anderson, Lower, Whitlow, P.C. | $11,025 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250826111506NAL0004400851002, received 2025-08-26, EIN 42-1269893, plan #001, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.