Sound Window & Door, Inc. 401(k) Review & Grade
Renewal by Andersen of Washington & Boise 401(k) Profit Sharing Plan & Trust
Seattle, WAConstruction508 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,585Employer $ per active participant
$2,983Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$12.5MNet plan assets, end of year
$44,555Average balance per account
Score breakdown
- Employer generosity23.8 / 5048th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 38th |
| Employee saving | 36th |
| 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
- Sound Window & Door put in about $1,585 per active participant, below the typical peer ($1,672). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $806,018 |
| Participant (employee) contributions | $1,517,058 |
| Other contributions (incl. rollovers in) | $238,608 |
| Administrative expenses paid from the plan | $36,781 |
| Contract administrator fees | $36,781 |
| Benefits paid out | $1,875,683 |
| Net assets, start / end of year | $10.4M / $12.5M |
| Active participants, start / end of year | 504 / 513 |
| Participants with account balances | 280 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Sound Consulting Services | $27,931 reported compensation |
| Nwrpc | $8,775 reported compensation |
| The Vanguard Group | $7,945 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260330095644NAL0010852433001, received 2026-03-30, EIN 91-1766879, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.