Turners Outdoors Inc. 401(k) Review & Grade
Turners Outdoors Inc. 401k Plan
Rialto, CARetail Trade676 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$429Employer $ per active participant
$714Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$9.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity16.3 / 5033th percentile for employer $ per participant
- Low cost24.2 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving1.3 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 97th |
| Employee saving | 9th |
| Peers that auto-enroll | 48% |
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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
- Turners Outdoors put in about $429 per active participant, below the typical peer ($743). 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 | $289,824 |
| Participant (employee) contributions | $482,667 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $1,194 |
| Contract administrator fees | $1,194 |
| Benefits paid out | $299,030 |
| Net assets, start / end of year | $7.9M / $9.4M |
| Active participants, start / end of year | 616 / 736 |
| Participants with account balances | 187 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Roorda Piquet & Bessee Inc. |
Largest service providers (Schedule C)
| American United Life Insurance Co | $69,105 reported compensation |
| Beacon Pointe Advisors | $41,090 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014093124NAL0003535440001, received 2025-10-14, EIN 20-2388389, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.