Stonemor Inc DBA Everstory Partners 401(k) Review & Grade
Everstory Partners Retirement Plan
Altamonte Springs, FLRetail Trade2,102 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$357Employer $ per active participant
$2,509Employee $ saved per active participant
0.74%Direct admin cost, % of plan assets
$39.8MNet plan assets, end of year
$10,459Average balance per account
Score breakdown
- Employer generosity13.6 / 5027th percentile for employer $ per participant
- Low cost2.9 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1542th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 11th |
| Employee saving | 42th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $20,331 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stonemor Inc DBA Everstory Partners put in about $357 per active participant, below the typical peer ($743). 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.
- Direct plan expenses (0.74% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $751,395 |
| Participant (employee) contributions | $5,274,262 |
| Other contributions (incl. rollovers in) | $1,471,323 |
| Administrative expenses paid from the plan | $278,595 |
| Investment advisory & management fees | $94,932 |
| Benefits paid out | $7,033,667 |
| Net assets, start / end of year | $35.0M / $39.8M |
| Active participants, start / end of year | 1,942 / 2,262 |
| Participants with account balances | 3,805 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $183,664 reported compensation |
| Onedigital Investment Advisors LLC | $91,989 reported compensation |
| Empower Advisory Group, LLC | $2,942 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251219151047NAL0014471858001, received 2025-12-19, EIN 80-0103152, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.