Ambu, Inc. 401(k) Review & Grade
Ambu 401(k) Plan
Columbia, MDManufacturing741 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,971Employer $ per active participant
$7,095Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$65.7MNet plan assets, end of year
$79,596Average balance per account
Score breakdown
- Employer generosity31.4 / 5063th percentile for employer $ per participant
- Low cost8.5 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 34th |
| Employee saving | 74th |
| 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
- Ambu put in about $2,971 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 (0.36% 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.
- 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 | $2,201,444 |
| Participant (employee) contributions | $5,257,577 |
| Other contributions (incl. rollovers in) | $1,289,386 |
| Administrative expenses paid from the plan | $218,701 |
| Contract administrator fees | $218,701 |
| Benefits paid out | $6,053,999 |
| Net assets, start / end of year | $55.0M / $65.7M |
| Active participants, start / end of year | 747 / 735 |
| Participants with account balances | 826 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Katz, Sapper & Miller, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $218,700 reported compensation |
| Ambu Inc | $67,631 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929124057NAL0011292769001, received 2025-09-29, EIN 35-1947294, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.