Ecology Auto Parts, Inc. 401(k) Review & Grade
The Ecology Group 401(k) Plan
Cerritos, CARetail Trade660 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$534Employer $ per active participant
$3,281Employee $ saved per active participant
2.02%Direct admin cost, % of plan assets
$7.4MNet plan assets, end of year
$8,971Average balance per account
Score breakdown
- Employer generosity19.4 / 5039th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 1th |
| Employee saving | 56th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($618 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Ecology Auto Parts put in about $534 per active participant, below the typical peer ($743). 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 (2.02% 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $352,968 |
| Participant (employee) contributions | $2,167,262 |
| Other contributions (incl. rollovers in) | $31,585 |
| Administrative expenses paid from the plan | $126,577 |
| Contract administrator fees | $126,577 |
| Benefits paid out | $840,831 |
| Net assets, start / end of year | $5.1M / $7.4M |
| Active participants, start / end of year | 676 / 645 |
| Participants with account balances | 825 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pension Assurance LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance and Annui | $104,131 reported compensation |
| Sageview Advisory Group, LLC | $31,263 reported compensation |
| Economic Group Pension Services | $27,355 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008124811NAL0005565569001, received 2025-10-08, EIN 95-2502434, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.