Talaria Company, LLC 401(k) Review & Grade
The Talaria Company, LLC 401k Retirement Savings Plan
Portsmouth, RIManufacturing720 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$896Employer $ per active participant
$3,484Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$49.4MNet plan assets, end of year
$102,066Average balance per account
Score breakdown
- Employer generosity7.1 / 5014th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 14th |
| Lower admin cost | 82th |
| Employee saving | 30th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $16,280 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Talaria Company put in about $896 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.
- 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 | $645,608 |
| Participant (employee) contributions | $2,510,367 |
| Other contributions (incl. rollovers in) | $109,189 |
| Administrative expenses paid from the plan | $31,615 |
| Investment advisory & management fees | $25,294 |
| Benefits paid out | $4,654,104 |
| Net assets, start / end of year | $43.1M / $49.4M |
| Active participants, start / end of year | 628 / 813 |
| Participants with account balances | 484 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $25,294 reported compensation |
| Fidelity Investments Institutional | $6,321 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008140552NAL0003066147001, received 2025-10-08, EIN 01-0523447, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.