Foth & Van Dyke, LLC 401(k) Review & Grade
Foth & Van Dyke, LLC 401(k) Retirement Savings Plan
De Pere, WIProfessional, Scientific & Technical Services667 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,530Employer $ per active participant
$12,193Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$177.8MNet plan assets, end of year
$217,322Average balance per account
Score breakdown
- Employer generosity28.9 / 5058th percentile for employer $ per participant
- Low cost18.0 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1576th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 72th |
| Employee saving | 76th |
| Peers that auto-enroll | 48% |
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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
- Foth & Van Dyke put in about $3,530 per active participant, more than the typical peer ($3,082). 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 | $2,354,226 |
| Participant (employee) contributions | $8,132,993 |
| Other contributions (incl. rollovers in) | $3,072,016 |
| Administrative expenses paid from the plan | $181,507 |
| Investment advisory & management fees | $84,922 |
| Benefits paid out | $12,136,958 |
| Net assets, start / end of year | $154.8M / $177.8M |
| Active participants, start / end of year | 642 / 692 |
| Participants with account balances | 818 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Francis LLC | $84,922 reported compensation |
| Associated Trust Company, N.A. | $80,505 reported compensation |
| Grant Thornton | $16,080 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250717153635NAL0000787264001, received 2025-07-17, EIN 20-5814203, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.