Gypsum Management and Supply Inc 401(k) Review & Grade
Gypsum Management and Supply, Inc. 401(k) Savings Plan
Tucker, GAWholesale Trade5,926 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,397Employer $ per active participant
$4,273Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$309.8MNet plan assets, end of year
$51,104Average balance per account
Score breakdown
- Employer generosity13.2 / 5026th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 26th |
| Lower admin cost | 54th |
| Employee saving | 30th |
| Peers that auto-enroll | 62% |
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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
- Gypsum Management and Supply put in about $1,397 per active participant, below the typical peer ($2,459). 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.
- 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 | $8,277,745 |
| Participant (employee) contributions | $25,322,257 |
| Other contributions (incl. rollovers in) | $14,343,402 |
| Administrative expenses paid from the plan | $307,929 |
| Investment advisory & management fees | $39,375 |
| Other admin expenses | $20 |
| Benefits paid out | $28,708,788 |
| Net assets, start / end of year | $255.6M / $309.8M |
| Active participants, start / end of year | 5,830 / 6,021 |
| Participants with account balances | 6,062 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Doeren Mayhew Assurance |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $268,554 reported compensation |
| Fiducient Advisors LLC | $39,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010144947NAL0018876274001, received 2025-10-10, EIN 48-0788686, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.