Admiral Beverage Corporation 401(k) Review & Grade
Admiral Beverage Corporation 401(k) Plan
Worland, WYManufacturing1,744 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,253Employer $ per active participant
$3,344Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$168.6MNet plan assets, end of year
$87,561Average balance per account
Score breakdown
- Employer generosity42.1 / 5084th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 80th |
| Employee saving | 27th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,490 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
- Admiral Beverage put in about $5,253 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.
- 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 | $9,158,533 |
| Participant (employee) contributions | $5,829,676 |
| Other contributions (incl. rollovers in) | $749,928 |
| Administrative expenses paid from the plan | $123,293 |
| Investment advisory & management fees | $96,787 |
| Benefits paid out | $12,169,786 |
| Net assets, start / end of year | $156.2M / $168.6M |
| Active participants, start / end of year | 1,570 / 1,917 |
| Participants with account balances | 1,925 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $96,787 reported compensation |
| Empower Annuity Ins Co of America | $26,506 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260115114944NAL0018625744001, received 2026-01-15, EIN 83-0210359, plan #003, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.