Sentry Management, Inc. 401(k) Review & Grade
Sentry Management, Inc. 401(k) Plan
Longwood, FLProfessional, Scientific & Technical Services886 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$54Employer $ per active participant
$1,657Employee $ saved per active participant
0.91%Direct admin cost, % of plan assets
$10.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.4 / 507th percentile for employer $ per participant
- Low cost1.9 / 258th percentile for low admin cost vs. same-size plans
- Employee saving1.3 / 159th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score7 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 8th |
| Employee saving | 9th |
| Peers that auto-enroll | 48% |
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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
- Sentry Management put in about $54 per active participant, below the typical peer ($3,082). 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 (0.91% 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 | $48,021 |
| Participant (employee) contributions | $1,467,834 |
| Other contributions (incl. rollovers in) | $322,712 |
| Administrative expenses paid from the plan | $87,833 |
| Benefits paid out | $1,551,087 |
| Net assets, start / end of year | $9.0M / $10.2M |
| Active participants, start / end of year | 904 / 868 |
| Participants with account balances | 363 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Schafer, Tschopp, Whitcomp, Mitchel |
Largest service providers (Schedule C)
| Raymond James Financial Services | $37,143 reported compensation |
| Voya Retirement Advisors, LLC | $7,242 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002134526NAL0000536785001, received 2025-10-02, EIN 59-1625937, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.