Adusa Supply Chain Services LLC 401(k) Review & Grade
Adusa Supply Chain Services 401(k) Plan
Salisbury, NCRetail Trade9,107 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,620Employer $ per active participant
$2,500Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$357.0MNet plan assets, end of year
$60,470Average balance per account
Score breakdown
- Employer generosity40.9 / 5082th percentile for employer $ per participant
- Low cost17.5 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 70th |
| Employee saving | 60th |
| Peers that auto-enroll | 42% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,460 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Adusa Supply Chain Services put in about $1,620 per active participant, more than the typical peer ($650). 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 | $14,753,316 |
| Participant (employee) contributions | $22,764,921 |
| Other contributions (incl. rollovers in) | $2,286,507 |
| Administrative expenses paid from the plan | $228,152 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $4,944 |
| Benefits paid out | $52,753,161 |
| Net assets, start / end of year | $332.5M / $357.0M |
| Active participants, start / end of year | 8,848 / 9,366 |
| Participants with account balances | 5,904 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Newman & Noyes LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $222,540 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008081204NAL0003114691001, received 2025-10-08, EIN 35-2679692, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.