Kentuckiana Comfort Center, Inc. 401(k) Review & Grade
Kentuckiana Comfort Center 401(k) Profit Sharing Plan
Louisville, KYManufacturing756 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$843Employer $ per active participant
$4,212Employee $ saved per active participant
0.68%Direct admin cost, % of plan assets
$29.0MNet plan assets, end of year
$33,289Average balance per account
Score breakdown
- Employer generosity6.6 / 5013th percentile for employer $ per participant
- Low cost3.5 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1540th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 13th |
| Lower admin cost | 14th |
| Employee saving | 40th |
| 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
- Kentuckiana Comfort Center put in about $843 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.
- Direct plan expenses (0.68% 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.
- 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 | $637,195 |
| Participant (employee) contributions | $3,184,131 |
| Other contributions (incl. rollovers in) | $114,245 |
| Administrative expenses paid from the plan | $180,636 |
| Investment advisory & management fees | $121,273 |
| Benefits paid out | $2,061,150 |
| Net assets, start / end of year | $24.4M / $29.0M |
| Active participants, start / end of year | 765 / 747 |
| Participants with account balances | 872 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cherry Bekaert LLP |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $93,639 reported compensation |
| Empower Annuity Insurance Company | $59,363 reported compensation |
| Fifth Third Bank | $27,634 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250810111822NAL0006322161001, received 2025-08-10, EIN 61-0915072, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.