Inalfa Roof Systems, Inc. 401(k) Review & Grade
Inalfa Roof Systems, Inc. Union 401(k) Plan
Auburn Hills, MIRetail Trade576 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$977Employer $ per active participant
$2,618Employee $ saved per active participant
0.67%Direct admin cost, % of plan assets
$14.1MNet plan assets, end of year
$21,599Average balance per account
Score breakdown
- Employer generosity30.2 / 5060th percentile for employer $ per participant
- Low cost3.5 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 14th |
| Employee saving | 44th |
| Peers that auto-enroll | 48% |
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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
- Inalfa Roof Systems put in about $977 per active participant, more than the typical peer ($743). 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.
- Direct plan expenses (0.67% 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 | $562,110 |
| Participant (employee) contributions | $1,506,558 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $91,111 |
| Investment advisory & management fees | $16,777 |
| Benefits paid out | $2,444,892 |
| Net assets, start / end of year | $13.1M / $14.1M |
| Active participants, start / end of year | 614 / 537 |
| Participants with account balances | 655 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark, Schaefer, Hackett & Co. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $74,334 reported compensation |
| Capfinancial Partners, LLC | $14,134 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250819095142NAL0003660368001, received 2025-08-19, EIN 38-2558870, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.