Wesco Aircraft Hardware Corp. 401(k) Review & Grade
Incora Savings and Investment Plan
Fort Worth, TXWholesale Trade1,345 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,097Employer $ per active participant
$4,566Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$92.3MNet plan assets, end of year
$50,474Average balance per account
Score breakdown
- Employer generosity28.8 / 5058th percentile for employer $ per participant
- Low cost11.4 / 2546th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 46th |
| Employee saving | 48th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $8,231 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Wesco Aircraft Hardware put in about $2,097 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 | $2,819,837 |
| Participant (employee) contributions | $6,140,695 |
| Other contributions (incl. rollovers in) | $568,419 |
| Administrative expenses paid from the plan | $233,216 |
| Contract administrator fees | $600 |
| Other admin expenses | $72,019 |
| Benefits paid out | $15,452,255 |
| Net assets, start / end of year | $86.1M / $92.3M |
| Active participants, start / end of year | 1,313 / 1,377 |
| Participants with account balances | 1,829 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Russon and Johnston LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $161,197 reported compensation |
| Retirement Wellness Group | $50,000 reported compensation |
| Russon and Johnston LLP | $18,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002000122NAL0000000467001, received 2025-10-02, EIN 95-2704662, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.