Georg Fischer Signet LLC 401(k) Review & Grade
Georg Fischer Savings Tax-Advantaged Retirement Plan
Irwindale, CAManufacturing1,240 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,490Employer $ per active participant
$6,983Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$159.1MNet plan assets, end of year
$105,490Average balance per account
Score breakdown
- Employer generosity39.6 / 5079th percentile for employer $ per participant
- Low cost17.0 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1573th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 68th |
| Employee saving | 73th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $250 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Georg Fischer Signet put in about $4,490 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 | $5,567,988 |
| Participant (employee) contributions | $8,659,267 |
| Other contributions (incl. rollovers in) | $639,850 |
| Administrative expenses paid from the plan | $191,813 |
| Investment advisory & management fees | $30,792 |
| Benefits paid out | $15,922,487 |
| Net assets, start / end of year | $142.6M / $159.1M |
| Active participants, start / end of year | 1,307 / 1,173 |
| Participants with account balances | 1,508 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $133,446 reported compensation |
| Plante & Moran, PLLC | $27,500 reported compensation |
| Multnomah Group Inc | $22,345 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251103192443NAL0011025744001, received 2025-11-03, EIN 95-1768356, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.