Western Dairy Transport, LLC 401(k) Review & Grade
Western Dairy Transport, LLC Employee's 401(k) Plan
Cabool, MOTransportation & Warehousing952 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,005Employer $ per active participant
$3,108Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$22.2MNet plan assets, end of year
$25,152Average balance per account
Score breakdown
- Employer generosity24.0 / 5048th percentile for employer $ per participant
- Low cost6.4 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving7.6 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 26th |
| Employee saving | 51th |
| Peers that auto-enroll | 37% |
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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
- Western Dairy Transport put in about $1,005 per active participant, below the typical peer ($1,070). 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.
- Direct plan expenses (0.46% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $956,903 |
| Participant (employee) contributions | $2,960,313 |
| Other contributions (incl. rollovers in) | $175,469 |
| Administrative expenses paid from the plan | $96,366 |
| Benefits paid out | $3,504,487 |
| Net assets, start / end of year | $19.5M / $22.2M |
| Active participants, start / end of year | 940 / 965 |
| Participants with account balances | 881 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lbmc, PC |
Largest service providers (Schedule C)
| Fidelity Workplace Services, LLC | $96,366 reported compensation |
| Umb Financial Services Inc | $48,695 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919071834NAL0000968963001, received 2025-09-19, EIN 20-4691649, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.