Tidi Products, LLC 401(k) Review & Grade
Tidi Products, LLC Incentive Savings Plan
Neenah, WIManufacturing518 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,705Employer $ per active participant
$9,595Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$73.5MNet plan assets, end of year
$99,745Average balance per account
Score breakdown
- Employer generosity35.6 / 5071th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-20 pts2 issues reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 75th |
| Employee saving | 88th |
| Peers that auto-enroll | 59% |
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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 ($231,494 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Tidi Products put in about $3,705 per active participant, more than the typical peer ($2,320). 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 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 | $1,917,529 |
| Participant (employee) contributions | $4,965,189 |
| Other contributions (incl. rollovers in) | $494,461 |
| Administrative expenses paid from the plan | $66,158 |
| Benefits paid out | $5,599,353 |
| Net assets, start / end of year | $62.8M / $73.5M |
| Active participants, start / end of year | 506 / 529 |
| Participants with account balances | 737 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $66,158 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923114613NAL0005653441001, received 2025-09-23, EIN 20-2357451, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.