Pacific Office Automation, Inc. 401(k) Review & Grade
Pacific Office Automation Capital Accumulation Plan
Beaverton, ORRetail Trade1,228 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,911Employer $ per active participant
$4,631Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$157.4MNet plan assets, end of year
$150,621Average balance per account
Score breakdown
- Employer generosity46.9 / 5094th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 54th |
| Employee saving | 77th |
| Peers that auto-enroll | 48% |
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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 ($2,391 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Pacific Office Automation put in about $2,911 per active participant, more than the typical peer ($743). 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 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 | $3,574,787 |
| Participant (employee) contributions | $5,686,653 |
| Other contributions (incl. rollovers in) | $58,047 |
| Administrative expenses paid from the plan | $293,366 |
| Contract administrator fees | $25,253 |
| Investment advisory & management fees | $268,113 |
| Benefits paid out | $8,964,964 |
| Net assets, start / end of year | $133.6M / $157.4M |
| Active participants, start / end of year | 1,296 / 1,160 |
| Participants with account balances | 1,045 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Sloy, Dahl & Holst, Inc | $268,113 reported compensation |
| Spectrum Pension Consultants, Inc | $25,253 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731113708NAL0010390786001, received 2025-07-31, EIN 93-0665413, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.