Stella & Chewys LLC 401(k) Review & Grade
Stella & Chewy's LLC 401(k) Plan
Oak Creek, WIManufacturing690 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,942Employer $ per active participant
$4,190Employee $ saved per active participant
0.88%Direct admin cost, % of plan assets
$19.4MNet plan assets, end of year
$27,242Average balance per account
Score breakdown
- Employer generosity21.0 / 5042th percentile for employer $ per participant
- Low cost2.1 / 258th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 8th |
| Employee saving | 39th |
| 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
- Stella & Chewys put in about $1,942 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.
- Direct plan expenses (0.88% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,338,903 |
| Participant (employee) contributions | $2,888,844 |
| Other contributions (incl. rollovers in) | $72,028 |
| Administrative expenses paid from the plan | $157,597 |
| Other admin expenses | $157,597 |
| Benefits paid out | $3,170,857 |
| Net assets, start / end of year | $16.3M / $19.4M |
| Active participants, start / end of year | 736 / 643 |
| Participants with account balances | 713 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Vrakas SC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $80,305 reported compensation |
| Global Retirement Partners LLC | $41,952 reported compensation |
| Peak Retirement Group DBA TG Benefi | $40,399 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013163140NAL0000836403001, received 2025-10-13, EIN 35-2199593, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.