Motion and Flow Control Products, Inc. 401(k) Review & Grade
Motion and Flow Control Products, Inc. 401(k) Plan
Littleton, COWholesale Trade623 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,005Employer $ per active participant
$6,097Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$43.0MNet plan assets, end of year
$57,612Average balance per account
Score breakdown
- Employer generosity27.8 / 5056th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 62th |
| Employee saving | 69th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,898 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $73,423 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Motion and Flow Control Products put in about $2,005 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,249,120 |
| Participant (employee) contributions | $3,798,558 |
| Other contributions (incl. rollovers in) | $891,856 |
| Administrative expenses paid from the plan | $67,193 |
| Investment advisory & management fees | $51,773 |
| Benefits paid out | $10,932,694 |
| Net assets, start / end of year | $42.3M / $43.0M |
| Active participants, start / end of year | 649 / 597 |
| Participants with account balances | 747 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rubinbrown, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $31,773 reported compensation |
| World Investment Advisors LLC | $20,000 reported compensation |
| Fidelity Investments Institutional | $15,421 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250811141140NAL0006657715001, received 2025-08-11, EIN 20-5601800, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.