Zero Zone, Inc. 401(k) Review & Grade
Zero Zone, Inc. 401(k) Savings Plan
North Prairie, WIManufacturing551 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,146Employer $ per active participant
$4,990Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$59.4MNet plan assets, end of year
$80,228Average balance per account
Score breakdown
- Employer generosity38.2 / 5076th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1551th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 54th |
| Employee saving | 51th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Zero Zone put in about $4,146 per active participant, more than the typical peer ($2,320). 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.
- 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 | $2,284,220 |
| Participant (employee) contributions | $2,749,227 |
| Other contributions (incl. rollovers in) | $222,848 |
| Administrative expenses paid from the plan | $113,222 |
| Investment advisory & management fees | $83,148 |
| Benefits paid out | $5,106,430 |
| Net assets, start / end of year | $52.6M / $59.4M |
| Active participants, start / end of year | 555 / 547 |
| Participants with account balances | 740 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Denali Wealth Management- Carl Vali | $55,454 reported compensation |
| Empower Annuity Insurance Company | $30,074 reported compensation |
| Empower Advisory Group, LLC | $27,695 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009095330NAL0003475347001, received 2025-10-09, EIN 39-0986069, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.