Frontage Laboratories Inc. 401(k) Review & Grade
Frontage Laboratories Inc. 401(k) Plan
Exton, PAProfessional, Scientific & Technical Services702 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,905Employer $ per active participant
$8,005Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$62.9MNet plan assets, end of year
$83,912Average balance per account
Score breakdown
- Employer generosity31.5 / 5063th percentile for employer $ per participant
- Low cost12.2 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-13 pts2 issues reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 49th |
| Employee saving | 41th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($3,606 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,960 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Frontage Laboratories put in about $3,905 per active participant, more than the typical peer ($3,082). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,739,393 |
| Participant (employee) contributions | $5,615,645 |
| Other contributions (incl. rollovers in) | $609,848 |
| Administrative expenses paid from the plan | $137,389 |
| Contract administrator fees | $6,500 |
| Investment advisory & management fees | $78,272 |
| Benefits paid out | $7,921,945 |
| Net assets, start / end of year | $53.3M / $62.9M |
| Active participants, start / end of year | 731 / 672 |
| Participants with account balances | 749 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Valley Force Investment Consul | $69,482 reported compensation |
| Schwab Retirement Plan Services,inc | $61,257 reported compensation |
| Caron & Bletzer PLLC | $6,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250804113708NAL0002657298001, received 2025-08-04, EIN 20-1027574, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.