Stonewall Kitchen, LLC 401(k) Review & Grade
Stonewall Kitchen, LLC 401(k) Profit Sharing Plan
York, MEAccommodation & Food Services506 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,237Employer $ per active participant
$2,781Employee $ saved per active participant
0.41%Direct admin cost, % of plan assets
$25.1MNet plan assets, end of year
$65,415Average balance per account
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost7.3 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 29th |
| Employee saving | 91th |
| Peers that auto-enroll | 17% |
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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
- Stonewall Kitchen put in about $1,237 per active participant, more than the typical peer ($266). 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.
- Direct plan expenses (0.41% 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.
- 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 | $626,591 |
| Participant (employee) contributions | $1,408,697 |
| Other contributions (incl. rollovers in) | $129,259 |
| Administrative expenses paid from the plan | $97,261 |
| Other admin expenses | $97,261 |
| Benefits paid out | $2,096,276 |
| Net assets, start / end of year | $21.9M / $25.1M |
| Active participants, start / end of year | 509 / 504 |
| Participants with account balances | 383 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Commonwealth Financial Network | $58,521 reported compensation |
| Hub International New England | $16,265 reported compensation |
| Stonewall Kitchen LLC | $13,520 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250912090049NAL0000710883001, received 2025-09-12, EIN 01-0544070, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.