Sign-Zone, LLC 401(k) Review & Grade
Sign-Zone, LLC Retirement Savings Plan
Brooklyn Center, MNConstruction502 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,702Employer $ per active participant
$4,120Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$29.6MNet plan assets, end of year
$43,022Average balance per account
Score breakdown
- Employer generosity25.4 / 5051th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 53th |
| Employee saving | 52th |
| Peers that auto-enroll | 44% |
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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
- Sign-Zone put in about $1,702 per active participant, more than the typical peer ($1,672). 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 | $853,610 |
| Participant (employee) contributions | $2,066,067 |
| Other contributions (incl. rollovers in) | $427,430 |
| Administrative expenses paid from the plan | $55,643 |
| Contract administrator fees | $21,268 |
| Investment advisory & management fees | $34,375 |
| Benefits paid out | $1,816,419 |
| Net assets, start / end of year | $24.0M / $29.6M |
| Active participants, start / end of year | 482 / 521 |
| Participants with account balances | 688 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Boulay Pllp |
Largest service providers (Schedule C)
| Stancorp Financial Group | $46,689 reported compensation |
| Creative Planning, Inc | $34,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926125803NAL0004024771001, received 2025-09-26, EIN 41-1645244, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.