8th Avenue Food & Provisions, Inc. 401(k) Review & Grade
8th Avenue Food & Provisions, Inc. 401(k) Plan
Fenton, MOManufacturing787 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,808Employer $ per active participant
$6,878Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$82.0MNet plan assets, end of year
$77,610Average balance per account
Score breakdown
- Employer generosity36.3 / 5073th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 70th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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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
- 8th Avenue Food & Provisions put in about $3,808 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.
- 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 | $2,996,520 |
| Participant (employee) contributions | $5,412,687 |
| Other contributions (incl. rollovers in) | $1,189,994 |
| Administrative expenses paid from the plan | $90,959 |
| Investment advisory & management fees | $22,124 |
| Other admin expenses | $30,060 |
| Benefits paid out | $8,932,680 |
| Net assets, start / end of year | $72.3M / $82.0M |
| Active participants, start / end of year | 796 / 778 |
| Participants with account balances | 1,056 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| Vanguard Group, Inc. | $68,835 reported compensation |
| Vanguard Advisers, Inc. | $22,124 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250707125005NAL0001616531004, received 2025-07-07, EIN 82-4745288, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.