Gee Whiz II, LLC. 401(k) Review & Grade
Auvil Fruit 401(k) Plan
Orondo, WAAgriculture, Forestry, Fishing & Hunting982 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$506Employer $ per active participant
$742Employee $ saved per active participant
0.81%Direct admin cost, % of plan assets
$8.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity16.7 / 5033th percentile for employer $ per participant
- Low cost2.5 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving2.4 / 1516th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score22 / 100 · Grade F
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 10th |
| Employee saving | 16th |
| Peers that auto-enroll | 36% |
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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
- Gee Whiz II put in about $506 per active participant, below the typical peer ($774). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.81% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $496,935 |
| Participant (employee) contributions | $728,677 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $68,796 |
| Contract administrator fees | $11,706 |
| Investment advisory & management fees | $22,447 |
| Benefits paid out | $2,683,107 |
| Net assets, start / end of year | $8.8M / $8.3M |
| Active participants, start / end of year | 691 / 1,274 |
| Participants with account balances | 246 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Larson Gross Assurance, PLLC |
Largest service providers (Schedule C)
| LPL Financial | $22,447 reported compensation |
| Benefits2 Administrators LLC | $16,020 reported compensation |
| John Hancock Life Insurance | $5,575 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103810NAL0003682096001, received 2025-10-14, EIN 84-2651299, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.