Jacent Strategic Merchandising 401(k) Review & Grade
Jacent Strategic Merchandising 401(k) Plan
Huntingdon Valley, PAWholesale Trade582 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,164Employer $ per active participant
$2,364Employee $ saved per active participant
1.03%Direct admin cost, % of plan assets
$7.7MNet plan assets, end of year
$21,636Average balance per account
Score breakdown
- Employer generosity15.1 / 5030th percentile for employer $ per participant
- Low cost1.5 / 256th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 6th |
| Employee saving | 15th |
| Peers that auto-enroll | 53% |
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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
- Jacent Strategic Merchandising put in about $1,164 per active participant, below the typical peer ($1,792). 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 (1.03% 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 | $676,906 |
| Participant (employee) contributions | $1,374,493 |
| Other contributions (incl. rollovers in) | $182,971 |
| Administrative expenses paid from the plan | $76,587 |
| Investment advisory & management fees | $35,251 |
| Benefits paid out | $2,439,483 |
| Net assets, start / end of year | $7.2M / $7.7M |
| Active participants, start / end of year | 581 / 582 |
| Participants with account balances | 355 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Torrillo & Associates, LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $41,336 reported compensation |
| Creative Planning Holdco, LLC | $35,251 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014060236NAL0001054979001, received 2025-10-14, EIN 32-0473691, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.