Atonne Group LLC 401(k) Review & Grade
Atonne Group 401k Retirement Savings Plan
Wyoming, MIWholesale Trade918 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,376Employer $ per active participant
$3,842Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$51.9MNet plan assets, end of year
$69,675Average balance per account
Score breakdown
- Employer generosity18.5 / 5037th percentile for employer $ per participant
- Low cost8.0 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 32th |
| Employee saving | 36th |
| 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
- Atonne Group put in about $1,376 per active participant, below the typical peer ($1,792). 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.
- Direct plan expenses (0.38% 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.
- 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 | $1,263,142 |
| Participant (employee) contributions | $3,527,404 |
| Other contributions (incl. rollovers in) | $607,834 |
| Administrative expenses paid from the plan | $183,181 |
| Contract administrator fees | $26,735 |
| Investment advisory & management fees | $67,295 |
| Benefits paid out | $6,762,622 |
| Net assets, start / end of year | $44.3M / $51.9M |
| Active participants, start / end of year | 946 / 890 |
| Participants with account balances | 745 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Doeren Mayhew Assurance |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $89,151 reported compensation |
| Centennial Securities Co | $67,295 reported compensation |
| Erp Southwest LLC | $26,735 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010112203NAL0012963664001, received 2025-10-10, EIN 20-2973872, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.