Senske Lawn & Tree Care, LLC 401(k) Review & Grade
Senske Services 401(k) Plan
Kennewick, WAAdministrative, Support & Staffing Services562 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$1,167Employer $ per active participant
$2,097Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$9.2MNet plan assets, end of year
$31,121Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving8.1 / 1554th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 51th |
| Employee saving | 54th |
| Peers that auto-enroll | 27% |
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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
- Senske Lawn & Tree Care put in about $1,167 per active participant, more than the typical peer ($712). 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 | $656,445 |
| Participant (employee) contributions | $1,179,362 |
| Other contributions (incl. rollovers in) | $637,601 |
| Administrative expenses paid from the plan | $14,201 |
| Benefits paid out | $777,544 |
| Net assets, start / end of year | $3.5M / $9.2M |
| Active participants, start / end of year | 296 / 829 |
| Participants with account balances | 297 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251014105743NAL0001252707001, received 2025-10-14, EIN 91-0910097, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.