The Scoular Company 401(k) Review & Grade
The Scoular Company Retirement Savings Plan
Omaha, NEWholesale Trade1,172 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,168Employer $ per active participant
$11,878Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$165.7MNet plan assets, end of year
$106,856Average balance per account
Score breakdown
- Employer generosity46.3 / 5093th percentile for employer $ per participant
- Low cost21.1 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving14.6 / 1597th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 84th |
| Employee saving | 97th |
| Peers that auto-enroll | 53% |
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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
- Scoular put in about $6,168 per active participant, more than the typical peer ($1,792). 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.
- 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 | $7,231,872 |
| Participant (employee) contributions | $13,927,250 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $93,806 |
| Other admin expenses | $21,563 |
| Benefits paid out | $17,253,666 |
| Net assets, start / end of year | $145.9M / $165.7M |
| Active participants, start / end of year | 1,263 / 1,082 |
| Participants with account balances | 1,551 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frankel, LLC |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $58,043 reported compensation |
| Frankelzacharia | $14,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260312170822NAL0006965427001, received 2026-03-12, EIN 47-0599176, plan #002, plan year 2024-06-01 to 2025-05-31. Verify at efast.dol.gov.