Stellant Systems, Inc. 401(k) Review & Grade
Stellant Systems, Inc. Retirement Plan
Torrance, CAManufacturing867 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,492Employer $ per active participant
$12,287Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$77.8MNet plan assets, end of year
$69,017Average balance per account
Score breakdown
- Employer generosity44.9 / 5090th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1595th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 40th |
| Employee saving | 95th |
| 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
- Stellant Systems put in about $6,492 per active participant, more than the typical peer ($2,320). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- 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 | $5,628,944 |
| Participant (employee) contributions | $10,652,901 |
| Other contributions (incl. rollovers in) | $5,557,653 |
| Administrative expenses paid from the plan | $205,605 |
| Investment advisory & management fees | $13,746 |
| Other admin expenses | $40,000 |
| Benefits paid out | $8,867,596 |
| Net assets, start / end of year | $56.7M / $77.8M |
| Active participants, start / end of year | 700 / 1,034 |
| Participants with account balances | 1,127 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pbmares LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $97,894 reported compensation |
| Pbmares, LLP | $53,965 reported compensation |
| Creative Planning Holdco, LLC | $40,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013145521NAL0000732195001, received 2025-10-13, EIN 91-2046609, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.