T. F. Warren Group Corporation 401(k) Review & Grade
T.F. Warren Group Retirement Savings Plan
Fairhope, ALManagement of Companies520 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,730Employer $ per active participant
$3,745Employee $ saved per active participant
0.52%Direct admin cost, % of plan assets
$20.1MNet plan assets, end of year
$70,850Average balance per account
Score breakdown
- Employer generosity16.7 / 5033th percentile for employer $ per participant
- Low cost5.5 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 22th |
| Employee saving | 32th |
| Peers that auto-enroll | 58% |
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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
- T. F. Warren Group put in about $1,730 per active participant, below the typical peer ($2,492). 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 (0.52% 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 | $898,506 |
| Participant (employee) contributions | $1,945,657 |
| Other contributions (incl. rollovers in) | $229,252 |
| Administrative expenses paid from the plan | $94,982 |
| Contract administrator fees | $27,109 |
| Investment advisory & management fees | $52,779 |
| Benefits paid out | $1,711,758 |
| Net assets, start / end of year | $16.6M / $20.1M |
| Active participants, start / end of year | 529 / 510 |
| Participants with account balances | 283 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett |
Largest service providers (Schedule C)
| Stifel Nicolaus Insurance Agency in | $38,660 reported compensation |
| Principal Life Insurance Company | $27,109 reported compensation |
| Avizo Group Inc | $15,094 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001073557NAL0012312721001, received 2025-10-01, EIN 98-0346372, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.