Wright Wisner Distributing Corp 401(k) Review & Grade
Wright Beverage Distributing 401(k) Plan Trust
Rochester, NYWholesale Trade576 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,861Employer $ per active participant
$5,950Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$66.2MNet plan assets, end of year
$96,981Average balance per account
Score breakdown
- Employer generosity26.5 / 5053th percentile for employer $ per participant
- Low cost12.6 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 53th |
| Lower admin cost | 50th |
| Employee saving | 67th |
| Peers that auto-enroll | 53% |
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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
- Wright Wisner Distributing put in about $1,861 per active participant, more than the typical peer ($1,792). 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.
- 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 | $1,071,281 |
| Participant (employee) contributions | $3,424,096 |
| Other contributions (incl. rollovers in) | $406,375 |
| Administrative expenses paid from the plan | $142,566 |
| Contract administrator fees | $17,331 |
| Investment advisory & management fees | $50,984 |
| Benefits paid out | $3,861,544 |
| Net assets, start / end of year | $59.2M / $66.2M |
| Active participants, start / end of year | 584 / 567 |
| Participants with account balances | 683 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Davie Kalpan, CPA PC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $75,183 reported compensation |
| Ubs Financial Services Inc | $50,985 reported compensation |
| Davie Kaplan CPA PC | $16,400 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002132429NAL0000555297001, received 2025-10-02, EIN 16-0775330, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.