SA Recycling, LLC 401(k) Review & Grade
SA Recycling, LLC 401(k) Profit Sharing Plan
Orange, CAAdministrative, Support & Staffing Services3,030 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,975Employer $ per active participant
$5,074Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$190.5MNet plan assets, end of year
$48,513Average balance per account
Score breakdown
- Employer generosity45.2 / 5090th percentile for employer $ per participant
- Low cost6.3 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 25th |
| Employee saving | 88th |
| Peers that auto-enroll | 22% |
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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
- SA Recycling put in about $2,975 per active participant, more than the typical peer ($342). 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.
- Direct plan expenses (0.27% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $9,013,257 |
| Participant (employee) contributions | $15,373,100 |
| Other contributions (incl. rollovers in) | $694,556 |
| Administrative expenses paid from the plan | $481,786 |
| Investment advisory & management fees | $35,000 |
| Benefits paid out | $14,483,481 |
| Net assets, start / end of year | $160.7M / $190.5M |
| Active participants, start / end of year | 2,976 / 3,083 |
| Participants with account balances | 3,926 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Haynie & Company |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $425,408 reported compensation |
| Rpa Financial, LLC | $35,000 reported compensation |
| Haynie & Company | $18,858 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007174555NAL0002632387001, received 2025-10-07, EIN 74-3222369, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.