4front Engineered Solutions, Inc. 401(k) Review & Grade
4front Engineered Solutions 401(k) Plan
Carrollton, TXManufacturing618 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,851Employer $ per active participant
$5,673Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$42.5MNet plan assets, end of year
$59,048Average balance per account
Score breakdown
- Employer generosity30.3 / 5061th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 23th |
| Employee saving | 61th |
| Peers that auto-enroll | 59% |
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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
- 4front Engineered Solutions put in about $2,851 per active participant, more than the typical peer ($2,320). 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 (0.50% 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 | $1,763,167 |
| Participant (employee) contributions | $3,509,034 |
| Other contributions (incl. rollovers in) | $19,173 |
| Administrative expenses paid from the plan | $198,363 |
| Benefits paid out | $3,044,820 |
| Net assets, start / end of year | $36.4M / $42.5M |
| Active participants, start / end of year | 618 / 619 |
| Participants with account balances | 720 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pricekubecka, PLLC |
Largest service providers (Schedule C)
| Proaccounts | $173,691 reported compensation |
| Nationwide | $56,553 reported compensation |
| Prospera Financial | $44,912 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014135600NAL0004158736001, received 2025-10-14, EIN 39-0866333, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.