Insulations, L.L.C. 401(k) Review & Grade
Insulations, Inc. 401(k) Plan
Harahan, LAConstruction736 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$302Employer $ per active participant
$2,259Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$9.1MNet plan assets, end of year
$13,309Average balance per account
Score breakdown
- Employer generosity5.1 / 5010th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score19 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 10th |
| Lower admin cost | 38th |
| Employee saving | 26th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $103,880 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Insulations put in about $302 per active participant, below the typical peer ($1,672). 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 | $221,792 |
| Participant (employee) contributions | $1,661,766 |
| Other contributions (incl. rollovers in) | $66,630 |
| Administrative expenses paid from the plan | $26,059 |
| Investment advisory & management fees | $18,626 |
| Benefits paid out | $1,098,610 |
| Net assets, start / end of year | $7.0M / $9.1M |
| Active participants, start / end of year | 420 / 1,051 |
| Participants with account balances | 683 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Leglue & Company, Cpa's LLC |
Largest service providers (Schedule C)
| Ubs Financial Services Inc | $18,626 reported compensation |
| Fidelity Investments Institutional | $7,433 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250825114813NAL0003873267001, received 2025-08-25, EIN 72-0709481, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.