Wurth Group of North America Inc 401(k) Review & Grade
Wurth 401(k) Plan
Ramsey, NJWholesale Trade4,600 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,738Employer $ per active participant
$4,996Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$356.7MNet plan assets, end of year
$69,959Average balance per account
Score breakdown
- Employer generosity17.6 / 5035th percentile for employer $ per participant
- Low cost11.5 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score25 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 46th |
| Employee saving | 41th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($418,309 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
- Wurth Group of North America put in about $1,738 per active participant, below the typical peer ($2,459). 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 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 | $7,991,637 |
| Participant (employee) contributions | $22,978,474 |
| Other contributions (incl. rollovers in) | $2,462,612 |
| Administrative expenses paid from the plan | $466,059 |
| Investment advisory & management fees | $191,457 |
| Other admin expenses | $115,512 |
| Benefits paid out | $38,420,442 |
| Net assets, start / end of year | $312.7M / $356.7M |
| Active participants, start / end of year | 4,633 / 4,566 |
| Participants with account balances | 5,099 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bushoven LLC |
Largest service providers (Schedule C)
| Strategic Advisors Inc | $191,457 reported compensation |
| Fidelity Investments Institutional | $159,090 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006083007NAL0005680704001, received 2025-10-06, EIN 22-2945308, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.