American Industrial Transport Inc 401(k) Review & Grade
American Industrial Transport, Inc. Savings and Investment Plan
ST. Charles, MOManufacturing902 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,099Employer $ per active participant
$3,567Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$49.9MNet plan assets, end of year
$51,782Average balance per account
Score breakdown
- Employer generosity9.7 / 5019th percentile for employer $ per participant
- Low cost12.9 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 51th |
| Employee saving | 31th |
| 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
- American Industrial Transport put in about $1,099 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 | $991,535 |
| Participant (employee) contributions | $3,217,313 |
| Other contributions (incl. rollovers in) | $2,011,970 |
| Administrative expenses paid from the plan | $101,964 |
| Benefits paid out | $5,684,213 |
| Net assets, start / end of year | $43.5M / $49.9M |
| Active participants, start / end of year | 874 / 930 |
| Participants with account balances | 963 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $101,998 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260806161925NAL0004377809001, received 2026-08-06, EIN 85-0855127, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.