Safe-Guard Products International, LLC 401(k) Review & Grade
Safe-Guard Products International, LLC 401(k) Plan
Atlanta, GAWholesale Trade768 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,856Employer $ per active participant
$5,435Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$44.8MNet plan assets, end of year
$70,866Average balance per account
Score breakdown
- Employer generosity36.0 / 5072th percentile for employer $ per participant
- Low cost18.0 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 72th |
| Employee saving | 61th |
| Peers that auto-enroll | 53% |
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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
- Safe-Guard Products International put in about $2,856 per active participant, more than the typical peer ($1,792). 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 | $2,195,142 |
| Participant (employee) contributions | $4,176,517 |
| Other contributions (incl. rollovers in) | $519,709 |
| Administrative expenses paid from the plan | $45,557 |
| Investment advisory & management fees | $31,580 |
| Benefits paid out | $6,271,470 |
| Net assets, start / end of year | $38.3M / $44.8M |
| Active participants, start / end of year | 738 / 799 |
| Participants with account balances | 632 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mauldin and Jenkins LLC |
Largest service providers (Schedule C)
| MML Investor Services LLC | $31,580 reported compensation |
| Fidelity Investments Institutional | $13,977 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250806112208NAL0002761281001, received 2025-08-06, EIN 58-2014424, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.