Pestco, LLC 401(k) Review & Grade
Pestco 401(k) Plan
Clayton, MOAdministrative, Support & Staffing Services758 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$438Employer $ per active participant
$688Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$6.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity20.6 / 5041th percentile for employer $ per participant
- Low cost8.6 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1524th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 34th |
| Employee saving | 24th |
| Peers that auto-enroll | 27% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Pestco put in about $438 per active participant, below the typical peer ($712). 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 (0.36% 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 | $331,989 |
| Participant (employee) contributions | $520,954 |
| Other contributions (incl. rollovers in) | $278,485 |
| Administrative expenses paid from the plan | $21,635 |
| Investment advisory & management fees | $15,890 |
| Benefits paid out | $208,175 |
| Net assets, start / end of year | $0 / $6.1M |
| Active participants, start / end of year | 683 / 832 |
| Participants with account balances | 320 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Creative Planning Holdco, LLC | $12,505 reported compensation |
| Adp, Inc. | $9,129 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014061208NAL0001057203001, received 2025-10-14, EIN 87-2587226, plan #002, plan year 2024-08-01 to 2024-12-31. Verify at efast.dol.gov.