Natural Partners, Inc. 401(k) Review & Grade
Natural Partners, Inc. 401(k) Profit Sharing Plan and Trust
Manchester, NHWholesale Trade518 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,436Employer $ per active participant
$3,182Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$11.2MNet plan assets, end of year
$39,316Average balance per account
Score breakdown
- Employer generosity19.2 / 5038th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1525th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 34th |
| Employee saving | 25th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $142 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Natural Partners put in about $1,436 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 (0.37% 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 | $743,994 |
| Participant (employee) contributions | $1,648,446 |
| Other contributions (incl. rollovers in) | $1,385,750 |
| Administrative expenses paid from the plan | $34,843 |
| Contract administrator fees | $9,220 |
| Investment advisory & management fees | $25,623 |
| Benefits paid out | $1,339,349 |
| Net assets, start / end of year | $7.8M / $11.2M |
| Active participants, start / end of year | 460 / 576 |
| Participants with account balances | 285 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Capital Insight Partners, LLC | $25,623 reported compensation |
| John Hancock Life Insurance Company | $9,220 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013155735NAL0003571602001, received 2025-10-13, EIN 86-0790551, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.