J.D. Heiskell Holdings, LLC 401(k) Review & Grade
J.D. Heiskell Holdings, LLC 401(k) Plan
Tulare, CAManufacturing542 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,977Employer $ per active participant
$7,142Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$74.5MNet plan assets, end of year
$78,009Average balance per account
Score breakdown
- Employer generosity37.3 / 5075th percentile for employer $ per participant
- Low cost15.1 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1574th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 60th |
| Employee saving | 74th |
| Peers that auto-enroll | 59% |
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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
- J.D. Heiskell Holdings put in about $3,977 per active participant, more than the typical peer ($2,320). 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 | $2,157,775 |
| Participant (employee) contributions | $3,874,702 |
| Other contributions (incl. rollovers in) | $729,024 |
| Administrative expenses paid from the plan | $114,418 |
| Contract administrator fees | $58,602 |
| Benefits paid out | $3,863,182 |
| Net assets, start / end of year | $63.7M / $74.5M |
| Active participants, start / end of year | 560 / 525 |
| Participants with account balances | 955 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Lutz & Company, P.C. |
Largest service providers (Schedule C)
| Newport Group, Inc. | $90,809 reported compensation |
| Newport Trust Company | $23,609 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250904104546NAL0016031537001, received 2025-09-04, EIN 77-0543702, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.