Seh America, Inc. 401(k) Review & Grade
Seh America, Inc. Employee Benefit Savings Plan
Vancouver, WAManufacturing1,108 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,485Employer $ per active participant
$5,408Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$169.7MNet plan assets, end of year
$124,400Average balance per account
Score breakdown
- Employer generosity26.9 / 5054th percentile for employer $ per participant
- Low cost19.8 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1557th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 79th |
| Employee saving | 57th |
| 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
- Seh America put in about $2,485 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 | $2,751,711 |
| Participant (employee) contributions | $5,988,862 |
| Other contributions (incl. rollovers in) | $199,656 |
| Administrative expenses paid from the plan | $129,422 |
| Investment advisory & management fees | $704 |
| Benefits paid out | $13,135,372 |
| Net assets, start / end of year | $153.3M / $169.7M |
| Active participants, start / end of year | 1,100 / 1,115 |
| Participants with account balances | 1,364 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $128,610 reported compensation |
| Charles Schwab & Co, Inc. | $704 reported compensation |
| National Financial Services | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014174913NAL0007068018003, received 2025-10-14, EIN 94-2574895, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.