JFC International Inc. 401(k) Review & Grade
JFC International Inc. Savings and Profit Sharing Plan
Los Angeles, CAWholesale Trade714 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$15,365Employer $ per active participant
$5,131Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$174.8MNet plan assets, end of year
$159,345Average balance per account
Score breakdown
- Employer generosity49.8 / 50100th percentile for employer $ per participant
- Low cost24.9 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving8.6 / 1557th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 100th |
| Employee saving | 57th |
| Peers that auto-enroll | 53% |
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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
- JFC International put in about $15,365 per active participant, more than the typical peer ($1,792). 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.
- 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 | $10,962,925 |
| Participant (employee) contributions | $3,661,186 |
| Other contributions (incl. rollovers in) | $37,879 |
| Administrative expenses paid from the plan | $3,145 |
| Contract administrator fees | $2,345 |
| Other admin expenses | $800 |
| Benefits paid out | $15,297,381 |
| Net assets, start / end of year | $169.1M / $174.8M |
| Active participants, start / end of year | 717 / 710 |
| Participants with account balances | 1,097 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | JLK Rosenberger, LLP |
Largest service providers (Schedule C)
| Wells Fargo Clearing Services, LLC | $201,665 reported compensation |
| Voya Retirement Insurance & Annuity | $3,145 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251224135042NAL0012323313001, received 2025-12-24, EIN 94-1118321, plan #009, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.