Arizona Machinery Group, Inc. 401(k) Review & Grade
Arizona Machinery Group Employees' Profit Sharing Retirement Plan
Avondale, AZRetail Trade761 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,125Employer $ per active participant
$5,960Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$68.9MNet plan assets, end of year
$67,496Average balance per account
Score breakdown
- Employer generosity47.6 / 5095th percentile for employer $ per participant
- Low cost17.1 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 68th |
| Employee saving | 91th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Arizona Machinery Group put in about $3,125 per active participant, more than the typical peer ($743). 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 | $2,377,821 |
| Participant (employee) contributions | $4,535,908 |
| Other contributions (incl. rollovers in) | $850,916 |
| Administrative expenses paid from the plan | $79,392 |
| Contract administrator fees | $79,392 |
| Benefits paid out | $3,993,348 |
| Net assets, start / end of year | $57.3M / $68.9M |
| Active participants, start / end of year | 764 / 758 |
| Participants with account balances | 1,021 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frazer, LLP |
Largest service providers (Schedule C)
| Sentry Life Insurance Company | $84,045 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250927142124NAL0010824784001, received 2025-09-27, EIN 86-0422015, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.