Pollard (U.S.) LTD 401(k) Review & Grade
Pollard (U.S.) LTD 401(k) Plan
Manufacturing895 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,366Employer $ per active participant
$3,080Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$41.5MNet plan assets, end of year
$46,859Average balance per account
Score breakdown
- Employer generosity13.5 / 5027th percentile for employer $ per participant
- Low cost9.9 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving3.6 / 1524th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 39th |
| Employee saving | 24th |
| 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
- Pollard (U.S.) put in about $1,366 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.
- 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 | $1,222,911 |
| Participant (employee) contributions | $2,756,429 |
| Other contributions (incl. rollovers in) | $926,190 |
| Administrative expenses paid from the plan | $117,764 |
| Investment advisory & management fees | $63,942 |
| Benefits paid out | $3,013,093 |
| Net assets, start / end of year | $34.7M / $41.5M |
| Active participants, start / end of year | 838 / 952 |
| Participants with account balances | 885 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frankel, LLC |
Largest service providers (Schedule C)
| Capfinancial Partners, LLC | $54,759 reported compensation |
| Fidelity Investments Institutional | $53,822 reported compensation |
| Strategic Advisors, Inc. | $9,183 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250914125046NAL0000514752001, received 2025-09-14, EIN 22-2333711, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.