Yoke's Foods, Inc. 401(k) Review & Grade
Yoke's Foods, Inc. 401(k) Employee Savings Plan
Spokane Valley, WARetail Trade1,750 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$748Employer $ per active participant
$1,244Employee $ saved per active participant
0.49%Direct admin cost, % of plan assets
$33.5MNet plan assets, end of year
$36,589Average balance per account
Score breakdown
- Employer generosity25.2 / 5050th percentile for employer $ per participant
- Low cost6.0 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 24th |
| Employee saving | 20th |
| 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
- Yoke's Foods put in about $748 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.
- Direct plan expenses (0.49% 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.
- 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 | $1,309,279 |
| Participant (employee) contributions | $2,176,775 |
| Other contributions (incl. rollovers in) | $1,060,951 |
| Administrative expenses paid from the plan | $151,101 |
| Investment advisory & management fees | $20,124 |
| Other admin expenses | $26,580 |
| Benefits paid out | $2,706,953 |
| Net assets, start / end of year | $28.4M / $33.5M |
| Active participants, start / end of year | 1,744 / 1,756 |
| Participants with account balances | 915 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $104,397 reported compensation |
| Fiduciary Outsourcing LLC | $26,580 reported compensation |
| Global Retirement Partners LLC | $20,124 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260303120648NAL0001365779001, received 2026-03-03, EIN 91-0788283, plan #001, plan year 2024-08-01 to 2025-07-31. Verify at efast.dol.gov.