ZFS Solutions, LLC 401(k) Review & Grade
ZFS Solutions, LLC Profit Sharing 401(k) Plan
Zeeland, MIManagement of Companies528 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,302Employer $ per active participant
$6,508Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$42.7MNet plan assets, end of year
$71,517Average balance per account
Score breakdown
- Employer generosity12.9 / 5026th percentile for employer $ per participant
- Low cost11.8 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 47th |
| Employee saving | 59th |
| Peers that auto-enroll | 58% |
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Red flags from the filing
Corrective distributions: the plan refunded $12,996 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- ZFS Solutions put in about $1,302 per active participant, below the typical peer ($2,492). 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 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 | $687,226 |
| Participant (employee) contributions | $3,436,126 |
| Other contributions (incl. rollovers in) | $125,834 |
| Administrative expenses paid from the plan | $99,507 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $57,680 |
| Benefits paid out | $4,212,048 |
| Net assets, start / end of year | $36.9M / $42.7M |
| Active participants, start / end of year | 521 / 535 |
| Participants with account balances | 597 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kruggel Lawton & Company LLC |
Largest service providers (Schedule C)
| Onedigital Investment Advisors LLC | $57,680 reported compensation |
| Fidelity Investments Institutional | $43,082 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260815184201NAL0014455984001, received 2026-08-15, EIN 81-4300830, plan #001, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.