Stuller, Inc. 401(k) Review & Grade
Stuller, Inc. 401(k) Retirement and Savings Plan
Lafayette, LAManufacturing1,564 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$993Employer $ per active participant
$3,625Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$101.9MNet plan assets, end of year
$84,675Average balance per account
Score breakdown
- Employer generosity8.4 / 5017th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score6 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 51th |
| Employee saving | 32th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($12,496 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $129,545 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stuller put in about $993 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.
- 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,554,112 |
| Participant (employee) contributions | $5,671,040 |
| Other contributions (incl. rollovers in) | $140,508 |
| Administrative expenses paid from the plan | $210,053 |
| Contract administrator fees | $2,700 |
| Investment advisory & management fees | $109,464 |
| Benefits paid out | $4,732,287 |
| Net assets, start / end of year | $88.5M / $101.9M |
| Active participants, start / end of year | 1,566 / 1,563 |
| Participants with account balances | 1,203 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisneramper LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $100,589 reported compensation |
| Creative Planning LLC | $72,298 reported compensation |
| Strategic Advisors, Inc. | $37,166 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009080920NAL0003728787001, received 2025-10-09, EIN 72-0694251, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.