STG Logistics, Inc. 401(k) Review & Grade
STG Logistics Retirement Plan
Dublin, OHTransportation & Warehousing1,392 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,994Employer $ per active participant
$4,098Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$63.9MNet plan assets, end of year
$55,270Average balance per account
Score breakdown
- Employer generosity35.8 / 5072th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 72th |
| Lower admin cost | 23th |
| Employee saving | 64th |
| 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
- STG Logistics put in about $1,994 per active participant, more than the typical peer ($1,070). 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.
- Direct plan expenses (0.50% 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 | $2,776,708 |
| Participant (employee) contributions | $5,706,533 |
| Other contributions (incl. rollovers in) | $362,497 |
| Administrative expenses paid from the plan | $297,780 |
| Contract administrator fees | $213,680 |
| Investment advisory & management fees | $84,100 |
| Benefits paid out | $7,683,170 |
| Net assets, start / end of year | $56.0M / $63.9M |
| Active participants, start / end of year | 1,425 / 1,360 |
| Participants with account balances | 1,157 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Adp, Inc. | $129,580 reported compensation |
| Ubs Financial Services, Inc. | $84,100 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250915115643NAL0002919650001, received 2025-09-15, EIN 22-2607954, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.