Sentry Insurance Company 401(k) Review & Grade
Sentry 401k Plan
Stevens Point, WIFinance & Insurance4,634 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,164Employer $ per active participant
$9,418Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$1.9BNet plan assets, end of year
$254,048Average balance per account
Score breakdown
- Employer generosity38.4 / 5077th percentile for employer $ per participant
- Low cost24.4 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 98th |
| Employee saving | 60th |
| Peers that auto-enroll | 66% |
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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
- Sentry Insurance put in about $7,164 per active participant, more than the typical peer ($4,489). 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 | $33,195,180 |
| Participant (employee) contributions | $43,638,019 |
| Other contributions (incl. rollovers in) | $10,188,162 |
| Administrative expenses paid from the plan | $178,440 |
| Contract administrator fees | $178,440 |
| Benefits paid out | $123,108,270 |
| Net assets, start / end of year | $1.8B / $1.9B |
| Active participants, start / end of year | 4,565 / 4,702 |
| Participants with account balances | 7,644 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| Morningstar Investment Management | $143,912 reported compensation |
| Sentry Life Insurance Company | $34,528 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009084231NAL0003426099001, received 2025-10-09, EIN 39-0333950, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.