Stolle Machinery Company, LLC 401(k) Review & Grade
Stolle Machinery Company, LLC 401(k) Retirement Plan
Centennial, COManufacturing608 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,165Employer $ per active participant
$6,833Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$77.9MNet plan assets, end of year
$127,284Average balance per account
Score breakdown
- Employer generosity38.3 / 5077th percentile for employer $ per participant
- Low cost11.2 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 45th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $62,155 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stolle Machinery Company put in about $4,165 per active participant, more than the typical peer ($2,320). 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 | $2,530,031 |
| Participant (employee) contributions | $4,150,805 |
| Other contributions (incl. rollovers in) | $401,728 |
| Administrative expenses paid from the plan | $203,952 |
| Investment advisory & management fees | $126,557 |
| Benefits paid out | $12,500,685 |
| Net assets, start / end of year | $73.8M / $77.9M |
| Active participants, start / end of year | 673 / 542 |
| Participants with account balances | 612 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante and Moran |
Largest service providers (Schedule C)
| Morgan Stanley | $91,287 reported compensation |
| Empower Annuity Insurance Company | $77,395 reported compensation |
| Empower Advisory Group, LLC | $35,270 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003145201NAL0003645042001, received 2025-10-03, EIN 80-0294712, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.