Jacam Chemical Company 2013, LLC 401(k) Review & Grade
Jacam Chemical Company 2013, LLC 401(k) Profit Sharing Plan
Sterling, KSManufacturing1,161 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,169Employer $ per active participant
$5,924Employee $ saved per active participant
0.54%Direct admin cost, % of plan assets
$61.3MNet plan assets, end of year
$46,631Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost5.1 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 20th |
| Employee saving | 63th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Jacam Chemical Company 2013 put in about $3,169 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.
- Direct plan expenses (0.54% 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.
- 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 | $3,679,743 |
| Participant (employee) contributions | $6,877,601 |
| Other contributions (incl. rollovers in) | $461,547 |
| Administrative expenses paid from the plan | $300,230 |
| Investment advisory & management fees | $25,626 |
| Other admin expenses | $130,853 |
| Benefits paid out | $4,777,915 |
| Net assets, start / end of year | $48.9M / $61.3M |
| Active participants, start / end of year | 1,063 / 1,259 |
| Participants with account balances | 1,315 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bt&co. P.A. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $143,850 reported compensation |
| Strategic Advisors, Inc. | $25,626 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919105017NAL0002398305001, received 2025-09-19, EIN 46-2105629, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.