Etnyre International, LTD. 401(k) Review & Grade
Etnyre International Profit Sharing and Retirement Savings Plan
Oregon, ILManufacturing999 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,613Employer $ per active participant
$4,319Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$122.0MNet plan assets, end of year
$90,976Average balance per account
Score breakdown
- Employer generosity35.1 / 5070th percentile for employer $ per participant
- Low cost14.6 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1542th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 58th |
| Employee saving | 42th |
| Peers that auto-enroll | 59% |
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
- Etnyre International put in about $3,613 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.
- 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 | $3,609,810 |
| Participant (employee) contributions | $4,314,892 |
| Other contributions (incl. rollovers in) | $16,121,952 |
| Administrative expenses paid from the plan | $195,392 |
| Other admin expenses | $195,392 |
| Benefits paid out | $13,443,244 |
| Net assets, start / end of year | $99.8M / $122.0M |
| Active participants, start / end of year | 894 / 1,104 |
| Participants with account balances | 1,341 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $133,593 reported compensation |
| LPL Financial | $68,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013172458NAL0001666033001, received 2025-10-13, EIN 36-1049600, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.