G3 Enterprises, Inc. 401(k) Review & Grade
G3 Enterprises, Inc. Retirement Plan
Modesto, CATransportation & Warehousing784 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,903Employer $ per active participant
$7,694Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$138.1MNet plan assets, end of year
$130,799Average balance per account
Score breakdown
- Employer generosity48.6 / 5097th percentile for employer $ per participant
- Low cost18.5 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score91 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 74th |
| Employee saving | 90th |
| Peers that auto-enroll | 37% |
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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
- G3 Enterprises put in about $6,903 per active participant, more than the typical peer ($1,070). 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 | $5,408,886 |
| Participant (employee) contributions | $6,028,160 |
| Other contributions (incl. rollovers in) | $565,913 |
| Administrative expenses paid from the plan | $131,763 |
| Investment advisory & management fees | $86,280 |
| Benefits paid out | $15,655,928 |
| Net assets, start / end of year | $126.4M / $138.1M |
| Active participants, start / end of year | 794 / 773 |
| Participants with account balances | 1,056 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Barbich Hooper King Dill Hoffmanllp |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $86,280 reported compensation |
| The Vanguard Group, Inc. | $52,183 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911172905NAL0000370867001, received 2025-09-11, EIN 94-1081077, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.