Shamrock Trading Corporation 401(k) Review & Grade
Shamrock Trading Corporation 401(k) Profit Sharing Plan
Overland Park, KSTransportation & Warehousing2,416 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,957Employer $ per active participant
$4,933Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$122.1MNet plan assets, end of year
$43,998Average balance per account
Score breakdown
- Employer generosity42.1 / 5084th percentile for employer $ per participant
- Low cost19.2 / 2577th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 77th |
| Employee saving | 74th |
| Peers that auto-enroll | 37% |
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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
- Shamrock Trading put in about $2,957 per active participant, more than the typical peer ($1,070). 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 | $7,144,402 |
| Participant (employee) contributions | $11,917,817 |
| Other contributions (incl. rollovers in) | $1,884,291 |
| Administrative expenses paid from the plan | $96,535 |
| Other admin expenses | $61,735 |
| Benefits paid out | $4,975,082 |
| Net assets, start / end of year | $94.1M / $122.1M |
| Active participants, start / end of year | 2,329 / 2,503 |
| Participants with account balances | 2,776 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pickett, Chaney & Mcmullen LLP |
Largest service providers (Schedule C)
| MHM Retirement Plan Solutions | $61,735 reported compensation |
| Merrill Lynch, Pierce Fenner & Smit | $24,452 reported compensation |
| Pickett, Chaney & Mcmullen LLP | $10,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250808100528NAL0004568385001, received 2025-08-08, EIN 20-3564413, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.