Ammega US Inc. 401(k) Review & Grade
Ammega 401(k) Plan
Saint Louis, MOManufacturing951 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,423Employer $ per active participant
$6,331Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$87.5MNet plan assets, end of year
$72,589Average balance per account
Score breakdown
- Employer generosity26.2 / 5052th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 43th |
| Employee saving | 67th |
| 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
- Ammega US put in about $2,423 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 | $2,304,707 |
| Participant (employee) contributions | $6,020,995 |
| Other contributions (incl. rollovers in) | $173,362 |
| Administrative expenses paid from the plan | $231,996 |
| Investment advisory & management fees | $110,223 |
| Other admin expenses | $975 |
| Benefits paid out | $11,386,550 |
| Net assets, start / end of year | $79.7M / $87.5M |
| Active participants, start / end of year | 958 / 944 |
| Participants with account balances | 1,205 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $114,299 reported compensation |
| Cbiz Investment Advisory Services L | $78,317 reported compensation |
| Empower Advisory Group, LLC | $31,906 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002165331NAL0000435539001, received 2025-10-02, EIN 43-1187912, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.