Comau LLC 401(k) Review & Grade
Comau LLC 401(k) Plan
Southfield, MIOther Services781 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,613Employer $ per active participant
$8,682Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$189.1MNet plan assets, end of year
$184,334Average balance per account
Score breakdown
- Employer generosity42.8 / 5086th percentile for employer $ per participant
- Low cost16.5 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 66th |
| Employee saving | 91th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $24,690 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Comau put in about $3,613 per active participant, more than the typical peer ($1,257). 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 | $2,821,873 |
| Participant (employee) contributions | $6,780,276 |
| Other contributions (incl. rollovers in) | $203,008 |
| Administrative expenses paid from the plan | $255,719 |
| Investment advisory & management fees | $81,012 |
| Other admin expenses | $88,535 |
| Benefits paid out | $30,107,136 |
| Net assets, start / end of year | $189.0M / $189.1M |
| Active participants, start / end of year | 780 / 782 |
| Participants with account balances | 1,026 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Towers Watson | $88,535 reported compensation |
| Strategic Advisors, Inc. | $81,012 reported compensation |
| Fidelity Investments Institutional | $59,175 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250904095440NAL0027265712001, received 2025-09-04, EIN 38-2296242, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.