Worth & Company, Inc. 401(k) Review & Grade
Worth & Company, Inc. Retirement Plan
Pipersville, PAConstruction527 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,375Employer $ per active participant
$5,995Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$80.9MNet plan assets, end of year
$106,003Average balance per account
Score breakdown
- Employer generosity32.3 / 5065th percentile for employer $ per participant
- Low cost8.8 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 65th |
| Lower admin cost | 35th |
| Employee saving | 75th |
| Peers that auto-enroll | 44% |
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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
- Worth & Company put in about $2,375 per active participant, more than the typical peer ($1,672). 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.
- Direct plan expenses (0.35% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,251,773 |
| Participant (employee) contributions | $3,159,313 |
| Other contributions (incl. rollovers in) | $176,670 |
| Administrative expenses paid from the plan | $267,518 |
| Contract administrator fees | $68,973 |
| Investment advisory & management fees | $187,151 |
| Benefits paid out | $4,006,914 |
| Net assets, start / end of year | $71.3M / $80.9M |
| Active participants, start / end of year | 524 / 530 |
| Participants with account balances | 763 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| Equitable Advisors. | $187,151 reported compensation |
| The Vanguard Group, Inc. | $68,972 reported compensation |
| Kreischer Miller | $11,394 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013081335NAL0001476176001, received 2025-10-13, EIN 23-2251312, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.