Air Distribution Technologies, Inc. 401(k) Review & Grade
Air Distribution Technologies, Inc. Retirement Savings and Investment Plan
Planto, TXManufacturing2,863 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,095Employer $ per active participant
$972Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$122.9MNet plan assets, end of year
$48,742Average balance per account
Score breakdown
- Employer generosity14.9 / 5030th percentile for employer $ per participant
- Low cost22.2 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving0.3 / 152th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 89th |
| Employee saving | 2th |
| Peers that auto-enroll | 70% |
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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
- Air Distribution Technologies put in about $2,095 per active participant, below the typical peer ($3,452). 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 | $5,997,481 |
| Participant (employee) contributions | $2,782,168 |
| Other contributions (incl. rollovers in) | $265,224 |
| Administrative expenses paid from the plan | $38,894 |
| Investment advisory & management fees | $18,366 |
| Benefits paid out | $4,247,645 |
| Net assets, start / end of year | $0 / $122.9M |
| Active participants, start / end of year | 2,806 / 2,920 |
| Participants with account balances | 2,522 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli LLP |
Largest service providers (Schedule C)
| Fidelity Investments Inst Opr Co. | $20,528 reported compensation |
| Strategic Advisors, Inc. | $18,366 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007153558NAL0004992129001, received 2025-10-07, EIN 99-0382064, plan #008, plan year 2024-08-01 to 2024-12-31. Verify at efast.dol.gov.