Eptam Plastics LTD. 401(k) Review & Grade
Eptam Precision Solutions 401(k) Plan
Northfield, NHManufacturing531 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,797Employer $ per active participant
$4,182Employee $ saved per active participant
0.58%Direct admin cost, % of plan assets
$26.5MNet plan assets, end of year
$50,488Average balance per account
Score breakdown
- Employer generosity19.0 / 5038th percentile for employer $ per participant
- Low cost4.7 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 19th |
| Employee saving | 39th |
| Peers that auto-enroll | 59% |
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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 ($407,394 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,734 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Eptam Plastics put in about $1,797 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.
- Direct plan expenses (0.58% 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 | $954,434 |
| Participant (employee) contributions | $2,220,495 |
| Other contributions (incl. rollovers in) | $116,747 |
| Administrative expenses paid from the plan | $132,160 |
| Investment advisory & management fees | $12,350 |
| Benefits paid out | $3,363,606 |
| Net assets, start / end of year | $19.4M / $26.5M |
| Active participants, start / end of year | 548 / 514 |
| Participants with account balances | 524 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $109,705 reported compensation |
| Advisory Group Equity Services LTD | $48,931 reported compensation |
| Empower Advisory Group, LLC | $12,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260918134214NAL0012780690001, received 2026-09-18, EIN 02-0363107, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.