Arctic Glacier U.S.A., Inc. 401(k) Review & Grade
Arctic Glacier U.S.A., Inc. Savings and Retirement Plan
Sharpsburg, PAManufacturing782 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,300Employer $ per active participant
$4,080Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$43.2MNet plan assets, end of year
$40,579Average balance per account
Score breakdown
- Employer generosity12.7 / 5025th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 59th |
| Employee saving | 38th |
| 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
- Arctic Glacier U.S.A. put in about $1,300 per active participant, below the typical peer ($2,320). 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 | $1,017,436 |
| Participant (employee) contributions | $3,192,610 |
| Other contributions (incl. rollovers in) | $375,623 |
| Administrative expenses paid from the plan | $70,448 |
| Benefits paid out | $6,057,439 |
| Net assets, start / end of year | $39.3M / $43.2M |
| Active participants, start / end of year | 898 / 667 |
| Participants with account balances | 1,065 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Moore Colson |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $60,856 reported compensation |
| Mma Securities LLC | $33,889 reported compensation |
| Moore Colson & Co. | $16,380 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925104806NAL0010378883001, received 2025-09-25, EIN 46-0527958, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.