Ems Holdco, Inc. 401(k) Review & Grade
Spartronics 401(k) Plan
Williamsport, PAManufacturing966 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,594Employer $ per active participant
$4,379Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$53.2MNet plan assets, end of year
$47,500Average balance per account
Score breakdown
- Employer generosity16.4 / 5033th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 38th |
| Employee saving | 43th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $18,308 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ems Holdco put in about $1,594 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 | $1,538,832 |
| Participant (employee) contributions | $4,227,760 |
| Other contributions (incl. rollovers in) | $2,077,050 |
| Administrative expenses paid from the plan | $162,609 |
| Contract administrator fees | $162,609 |
| Benefits paid out | $8,522,659 |
| Net assets, start / end of year | $47.9M / $53.2M |
| Active participants, start / end of year | 987 / 944 |
| Participants with account balances | 1,119 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, P.C. |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $162,609 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731124818NAL0002587043001, received 2025-07-31, EIN 85-1499870, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.