Teichert, Inc. 401(k) Review & Grade
Teichert Inc. Retirement Savings Plan
Sacramento, CAConstruction2,787 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,149Employer $ per active participant
$4,666Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$236.4MNet plan assets, end of year
$145,564Average balance per account
Score breakdown
- Employer generosity16.7 / 5033th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 74th |
| Employee saving | 51th |
| Peers that auto-enroll | 57% |
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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 ($585,444 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
- Teichert put in about $1,149 per active participant, below the typical peer ($1,965). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $3,203,211 |
| Participant (employee) contributions | $13,004,296 |
| Other contributions (incl. rollovers in) | $2,552,432 |
| Administrative expenses paid from the plan | $137,779 |
| Benefits paid out | $18,065,366 |
| Net assets, start / end of year | $227.1M / $236.4M |
| Active participants, start / end of year | 2,627 / 2,947 |
| Participants with account balances | 1,624 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Clifton Larson Allen LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $137,779 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260108154453NAL0016935682001, received 2026-01-08, EIN 94-0919260, plan #040, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.