Southern Graphics Inc. 401(k) Review & Grade
Southern Graphics Inc. Savings Plan
Louisville, KYProfessional, Scientific & Technical Services1,238 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,697Employer $ per active participant
$6,315Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$202.1MNet plan assets, end of year
$141,740Average balance per account
Score breakdown
- Employer generosity14.9 / 5030th percentile for employer $ per participant
- Low cost18.1 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 72th |
| Employee saving | 32th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Southern Graphics put in about $1,697 per active participant, below the typical peer ($3,082). 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 | $2,101,627 |
| Participant (employee) contributions | $7,821,324 |
| Other contributions (incl. rollovers in) | $923,420 |
| Administrative expenses paid from the plan | $211,447 |
| Investment advisory & management fees | $5,989 |
| Benefits paid out | $22,517,427 |
| Net assets, start / end of year | $189.3M / $202.1M |
| Active participants, start / end of year | 1,236 / 1,241 |
| Participants with account balances | 1,426 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cherry Bekaert LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $165,261 reported compensation |
| Cherry Bekaert LLP | $30,397 reported compensation |
| MCM Cpas & Advisors LLP | $9,800 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013202902NAL0001937553002, received 2025-10-13, EIN 56-2555719, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.