Albert Kemperle, Inc. 401(k) Review & Grade
Albert Kemperle, Inc. Retirement Trust
Holbrook, NYWholesale Trade504 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,902Employer $ per active participant
$4,115Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$41.3MNet plan assets, end of year
$111,128Average balance per account
Score breakdown
- Employer generosity27.0 / 5054th percentile for employer $ per participant
- Low cost11.6 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 47th |
| Employee saving | 41th |
| Peers that auto-enroll | 53% |
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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
- Albert Kemperle put in about $1,902 per active participant, more than the typical peer ($1,792). 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.
- 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 | $959,805 |
| Participant (employee) contributions | $2,075,780 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $99,147 |
| Investment advisory & management fees | $64,759 |
| Benefits paid out | $3,156,971 |
| Net assets, start / end of year | $36.2M / $41.3M |
| Active participants, start / end of year | 537 / 472 |
| Participants with account balances | 372 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer |
Largest service providers (Schedule C)
| Wells Fargo Advisors Financial Netw | $64,759 reported compensation |
| Adp, Inc. | $34,388 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251011053454NAL0019479298001, received 2025-10-11, EIN 11-2293976, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.