Carlisle, LLC 401(k) Review & Grade
Carlisle, LLC Employee Incentive Savings Plan
Scottsdale, AZManufacturing5,233 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,131Employer $ per active participant
$6,603Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$869.7MNet plan assets, end of year
$95,821Average balance per account
Score breakdown
- Employer generosity22.6 / 5045th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 70th |
| Employee saving | 56th |
| 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
- Carlisle put in about $3,131 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 | $16,384,786 |
| Participant (employee) contributions | $34,554,201 |
| Other contributions (incl. rollovers in) | $12,666,763 |
| Administrative expenses paid from the plan | $562,319 |
| Contract administrator fees | $541,069 |
| Investment advisory & management fees | $21,250 |
| Benefits paid out | $166,190,318 |
| Net assets, start / end of year | $829.4M / $869.7M |
| Active participants, start / end of year | 6,033 / 4,433 |
| Participants with account balances | 9,076 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
| Employer stock held by plan | $159,211,047 |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $591,749 reported compensation |
| Morgan Stanley Global Ba | $21,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007160913NAL0005030033001, received 2025-10-07, EIN 23-0457510, plan #019, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.