Williams International Co, LLC 401(k) Review & Grade
Williams International Employees Savings Plan
Pontiac, MIManufacturing2,210 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,668Employer $ per active participant
$8,480Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$274.2MNet plan assets, end of year
$107,756Average balance per account
Score breakdown
- Employer generosity17.4 / 5035th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 98th |
| Employee saving | 83th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $387 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Williams International Co put in about $1,668 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.
- 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 | $3,686,920 |
| Participant (employee) contributions | $18,739,783 |
| Other contributions (incl. rollovers in) | $1,086,853 |
| Administrative expenses paid from the plan | $25,508 |
| Investment advisory & management fees | $97,438 |
| Benefits paid out | $27,349,551 |
| Net assets, start / end of year | $235.5M / $274.2M |
| Active participants, start / end of year | 2,182 / 2,238 |
| Participants with account balances | 2,545 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mrpr Group PC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $97,438 reported compensation |
| Fidelity Investments Institutional | −$69,438 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013103238NAL0001722544001, received 2025-10-13, EIN 38-3232737, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.