Inmar, Inc. 401(k) Review & Grade
Inmar, Inc. Profit Sharing and 401(k) Plan
Winston Salem, NCProfessional, Scientific & Technical Services3,646 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,228Employer $ per active participant
$4,617Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$240.9MNet plan assets, end of year
$86,050Average balance per account
Score breakdown
- Employer generosity19.6 / 5039th percentile for employer $ per participant
- Low cost17.2 / 2569th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 69th |
| Employee saving | 26th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $4,803 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Inmar put in about $2,228 per active participant, below the typical peer ($2,951). 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.
- 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 | $8,124,352 |
| Participant (employee) contributions | $16,835,253 |
| Other contributions (incl. rollovers in) | $4,064,695 |
| Administrative expenses paid from the plan | $155,644 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $121,263 |
| Other admin expenses | −$1 |
| Benefits paid out | $36,084,964 |
| Net assets, start / end of year | $211.9M / $240.9M |
| Active participants, start / end of year | 3,450 / 3,842 |
| Participants with account balances | 2,799 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $86,263 reported compensation |
| Equitable Advisors LLC | $35,000 reported compensation |
| Fidelity Investments Institutional | $30,896 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015143247NAL0002458723001, received 2025-10-15, EIN 56-1269300, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.