Ewing Irrigation Products, Inc. 401(k) Review & Grade
Ewing Irrigation Products, Inc. Profit Sharing Plan
Phoenix, AZWholesale Trade1,444 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,473Employer $ per active participant
$3,272Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$149.7MNet plan assets, end of year
$91,226Average balance per account
Score breakdown
- Employer generosity43.4 / 5087th percentile for employer $ per participant
- Low cost21.9 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 87th |
| Employee saving | 27th |
| Peers that auto-enroll | 53% |
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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
- Ewing Irrigation Products put in about $4,473 per active participant, more than the typical peer ($1,792). 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 | $6,459,708 |
| Participant (employee) contributions | $4,724,479 |
| Other contributions (incl. rollovers in) | $570,291 |
| Administrative expenses paid from the plan | $70,590 |
| Investment advisory & management fees | $76,313 |
| Other admin expenses | −$82,795 |
| Benefits paid out | $12,374,592 |
| Net assets, start / end of year | $134.0M / $149.7M |
| Active participants, start / end of year | 1,407 / 1,481 |
| Participants with account balances | 1,641 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Milliman, Inc. | $77,072 reported compensation |
| Capfinancial Partners | $76,313 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260408104656NAL0006090083001, received 2026-04-08, EIN 94-1351799, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.