Ta Chen International, Inc. 401(k) Review & Grade
Ta Chen International, Inc. 401(k) Plan
Long Beach, CAWholesale Trade652 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$576Employer $ per active participant
$3,206Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$29.1MNet plan assets, end of year
$56,059Average balance per account
Score breakdown
- Employer generosity5.1 / 5010th percentile for employer $ per participant
- Low cost11.5 / 2546th 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 score21 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 10th |
| Lower admin cost | 46th |
| Employee saving | 26th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $21,326 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ta Chen International put in about $576 per active participant, below the typical peer ($1,792). 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.
- 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 | $375,334 |
| Participant (employee) contributions | $2,088,577 |
| Other contributions (incl. rollovers in) | $33,933 |
| Administrative expenses paid from the plan | $69,319 |
| Investment advisory & management fees | $62,694 |
| Benefits paid out | $1,584,540 |
| Net assets, start / end of year | $24.5M / $29.1M |
| Active participants, start / end of year | 659 / 644 |
| Participants with account balances | 519 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | David L. Buck, CPA |
Largest service providers (Schedule C)
| Morgan Stanley | $62,694 reported compensation |
| Capital Group Retirement Plan Svcs. | $6,625 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010191200NAL0004871779001, received 2025-10-10, EIN 95-4230028, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.