Stafford Transport Inc 401(k) Review & Grade
Stafford Transport Inc 401(k) Profit Sharing Plan & Trust
Smyrna, GATransportation & Warehousing504 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$496Employer $ per active participant
$1,282Employee $ saved per active participant
1.54%Direct admin cost, % of plan assets
$4.0MNet plan assets, end of year
$6,780Average balance per account
Score breakdown
- Employer generosity13.4 / 5027th percentile for employer $ per participant
- Low cost0.6 / 252th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 2th |
| Employee saving | 17th |
| Peers that auto-enroll | 37% |
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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
- Stafford Transport put in about $496 per active participant, below the typical peer ($1,070). 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 (1.54% 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 | $250,090 |
| Participant (employee) contributions | $646,895 |
| Other contributions (incl. rollovers in) | $83,462 |
| Administrative expenses paid from the plan | $56,774 |
| Contract administrator fees | $28,087 |
| Investment advisory & management fees | $27,827 |
| Benefits paid out | $719,449 |
| Net assets, start / end of year | $3.4M / $4.0M |
| Active participants, start / end of year | 528 / 481 |
| Participants with account balances | 594 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mauldin & Jenkins LLC |
Largest service providers (Schedule C)
| Paychex, Inc. | $27,600 reported compensation |
| Alliant Retirement Services LLC | $11,116 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014132130NAL0002869329001, received 2025-10-14, EIN 58-2407053, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.