Stream Companies, LLC 401(k) Review & Grade
Stream Companies 401(k) Profit Sharing Plan
West Chester, PAProfessional, Scientific & Technical Services527 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,678Employer $ per active participant
$5,277Employee $ saved per active participant
0.65%Direct admin cost, % of plan assets
$19.8MNet plan assets, end of year
$45,276Average balance per account
Score breakdown
- Employer generosity14.7 / 5029th percentile for employer $ per participant
- Low cost3.8 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 15th |
| Employee saving | 26th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,682 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stream Companies put in about $1,678 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.
- Direct plan expenses (0.65% 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 | $884,234 |
| Participant (employee) contributions | $2,780,804 |
| Other contributions (incl. rollovers in) | $527,562 |
| Administrative expenses paid from the plan | $110,561 |
| Contract administrator fees | $1,010 |
| Investment advisory & management fees | $62,194 |
| Benefits paid out | $851,230 |
| Net assets, start / end of year | $14.4M / $19.8M |
| Active participants, start / end of year | 479 / 575 |
| Participants with account balances | 438 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Commonwealth Financial Network | $62,194 reported compensation |
| Fidelity Investments Institutional | $48,367 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015144159NAL0004866417001, received 2025-10-15, EIN 35-2206217, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.