Taylor United, Inc. 401(k) Review & Grade
Taylor United, Inc. 401(k) Plan
Shelton, WAAgriculture, Forestry, Fishing & Hunting554 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,276Employer $ per active participant
$2,006Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$32.8MNet plan assets, end of year
$99,133Average balance per account
Score breakdown
- Employer generosity31.2 / 5062th percentile for employer $ per participant
- Low cost10.7 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1550th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 43th |
| Employee saving | 50th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($235 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Taylor United put in about $1,276 per active participant, more than the typical peer ($774). 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.
- 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $706,683 |
| Participant (employee) contributions | $1,111,103 |
| Other contributions (incl. rollovers in) | $824 |
| Administrative expenses paid from the plan | $86,876 |
| Investment advisory & management fees | $52,447 |
| Benefits paid out | $2,729,831 |
| Net assets, start / end of year | $29.1M / $32.8M |
| Active participants, start / end of year | 611 / 497 |
| Participants with account balances | 331 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark Nuber P.S. |
Largest service providers (Schedule C)
| Ubs Financial Services | $52,447 reported compensation |
| Nwic DBA Nwps | $24,421 reported compensation |
| Charles Trust Schwab Bank | $10,007 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015164221NAL0002765443001, received 2025-10-15, EIN 91-0853722, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.