JK Moving and Storage, Inc. 401(k) Review & Grade
JK Moving Services & Caprelo Profit Sharing & 401(k) Plan
Sterling, VATransportation & Warehousing614 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,839Employer $ per active participant
$3,756Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$51.1MNet plan assets, end of year
$43,212Average balance per account
Score breakdown
- Employer generosity34.1 / 5068th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1560th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 41th |
| Employee saving | 60th |
| Peers that auto-enroll | 37% |
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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
- JK Moving and Storage put in about $1,839 per active participant, more than the typical peer ($1,070). 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 | $1,128,019 |
| Participant (employee) contributions | $2,304,046 |
| Other contributions (incl. rollovers in) | $198,638 |
| Administrative expenses paid from the plan | $143,595 |
| Investment advisory & management fees | $63,505 |
| Benefits paid out | $5,007,459 |
| Net assets, start / end of year | $46.9M / $51.1M |
| Active participants, start / end of year | 623 / 604 |
| Participants with account balances | 1,182 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubino & Company, Chartered |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $80,090 reported compensation |
| Kestra Investment Services LLC | $55,468 reported compensation |
| Strategic Advisors, Inc. | $8,037 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015122412NAL0009201058001, received 2025-10-15, EIN 54-1289302, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.