The White Family Companies, Inc. 401(k) Review & Grade
The White Family Companies, Inc. Retirement Savings Plan
Dayton, OHRetail Trade759 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,150Employer $ per active participant
$4,153Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$53.0MNet plan assets, end of year
$118,408Average balance per account
Score breakdown
- Employer generosity43.7 / 5087th percentile for employer $ per participant
- Low cost9.6 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 39th |
| Employee saving | 68th |
| Peers that auto-enroll | 48% |
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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
- White Family Companies put in about $2,150 per active participant, more than the typical peer ($743). 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.
- 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 | $1,631,954 |
| Participant (employee) contributions | $3,152,174 |
| Other contributions (incl. rollovers in) | $211,389 |
| Administrative expenses paid from the plan | $156,866 |
| Other admin expenses | $75,763 |
| Benefits paid out | $3,966,785 |
| Net assets, start / end of year | $45.7M / $53.0M |
| Active participants, start / end of year | 769 / 749 |
| Participants with account balances | 448 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Schneider Downs & Co., Inc. |
Largest service providers (Schedule C)
| Morgan Stanley | $73,962 reported compensation |
| Transamerica Retirement Solutions | $36,370 reported compensation |
| Creative Retirement Systems, Inc. | $22,871 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010075125NAL0004408131001, received 2025-10-10, EIN 31-4446316, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.