G&d Operating Holdings, LLC 401(k) Review & Grade
G&d Operating Holdings, LLC Retirement Savings Plan
Morton, ILTransportation & Warehousing596 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$892Employer $ per active participant
$2,172Employee $ saved per active participant
0.58%Direct admin cost, % of plan assets
$23.6MNet plan assets, end of year
$74,568Average balance per account
Score breakdown
- Employer generosity22.5 / 5045th percentile for employer $ per participant
- Low cost4.6 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 18th |
| Employee saving | 32th |
| Peers that auto-enroll | 37% |
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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
- G&d Operating Holdings put in about $892 per active participant, below the typical peer ($1,070). 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.
- 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 | $531,375 |
| Participant (employee) contributions | $1,293,619 |
| Other contributions (incl. rollovers in) | $280,704 |
| Administrative expenses paid from the plan | $131,293 |
| Investment advisory & management fees | $83,741 |
| Benefits paid out | $2,655,877 |
| Net assets, start / end of year | $21.5M / $23.6M |
| Active participants, start / end of year | 593 / 598 |
| Participants with account balances | 316 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Capfinancial Partners LLC | $64,969 reported compensation |
| Fidelity Investments Institutional | $47,552 reported compensation |
| Strategic Advisors, Inc. | $18,773 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731091428NAL0006814272001, received 2025-07-31, EIN 46-5101108, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.