Grob Systems, Inc. 401(k) Review & Grade
Grob Systems, Inc. Profit Sharing Plan
Bluffton, OHManufacturing830 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,890Employer $ per active participant
$6,839Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$100.1MNet plan assets, end of year
$118,022Average balance per account
Score breakdown
- Employer generosity20.3 / 5041th percentile for employer $ per participant
- Low cost25.0 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 100th |
| Employee saving | 72th |
| 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
- Grob Systems put in about $1,890 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.
- 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 | $1,569,843 |
| Participant (employee) contributions | $5,679,662 |
| Other contributions (incl. rollovers in) | $553,230 |
| Administrative expenses paid from the plan | $69 |
| Benefits paid out | $5,230,573 |
| Net assets, start / end of year | $89.0M / $100.1M |
| Active participants, start / end of year | 788 / 873 |
| Participants with account balances | 848 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Capital Group Retirement Plan Svcs. | $3,690 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001063828NAL0005801763001, received 2025-10-01, EIN 13-3059174, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.