Fluidra North America 401(k) Review & Grade
Fluidra North America Retirement Plan
Carlsbad, CAManufacturing1,114 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,880Employer $ per active participant
$6,156Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$105.3MNet plan assets, end of year
$74,345Average balance per account
Score breakdown
- Employer generosity30.5 / 5061th percentile for employer $ per participant
- Low cost11.1 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 61th |
| Lower admin cost | 45th |
| Employee saving | 66th |
| Peers that auto-enroll | 59% |
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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
- Fluidra North America put in about $2,880 per active participant, more than the typical peer ($2,320). 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.
- 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 | $3,206,945 |
| Participant (employee) contributions | $6,854,454 |
| Other contributions (incl. rollovers in) | $1,313,377 |
| Administrative expenses paid from the plan | $262,104 |
| Contract administrator fees | $262,104 |
| Benefits paid out | $8,295,509 |
| Net assets, start / end of year | $89.5M / $105.3M |
| Active participants, start / end of year | 1,093 / 1,134 |
| Participants with account balances | 1,417 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | JGD & Associates LLP |
Largest service providers (Schedule C)
| John Hancock | $186,249 reported compensation |
| Onedigital Investment Advisors, LLC | $29,226 reported compensation |
| Zodiac Pool Systems LLC | $16,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013170437NAL0001751569001, received 2025-10-13, EIN 81-4198874, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.