A. Duie Pyle, Incorporated 401(k) Review & Grade
A. Duie Pyle, Inc. Savings Plan
West Chester, PATransportation & Warehousing4,204 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,002Employer $ per active participant
$4,585Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$292.1MNet plan assets, end of year
$59,737Average balance per account
Score breakdown
- Employer generosity15.2 / 5030th percentile for employer $ per participant
- Low cost11.1 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving8.1 / 1554th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 44th |
| Employee saving | 54th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $17,605 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- A. Duie Pyle, Incorporated put in about $1,002 per active participant, below the typical peer ($1,834). 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 | $4,211,298 |
| Participant (employee) contributions | $19,277,449 |
| Other contributions (incl. rollovers in) | $2,581,912 |
| Administrative expenses paid from the plan | $402,921 |
| Other admin expenses | $402,921 |
| Benefits paid out | $32,120,571 |
| Net assets, start / end of year | $264.6M / $292.1M |
| Active participants, start / end of year | 4,187 / 4,222 |
| Participants with account balances | 4,889 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Fischer Cunnane & Associates, LTD. |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $369,255 reported compensation |
| Vanguard Advisers Inc. | $62,317 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014104332NAL0002663425001, received 2025-10-14, EIN 23-1417983, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.