Pacific Southwest Container, LLC 401(k) Review & Grade
Pacific Southwest Container, LLC 401(k) Plan
Modesto, CAManufacturing1,008 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,587Employer $ per active participant
$4,892Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$72.0MNet plan assets, end of year
$58,560Average balance per account
Score breakdown
- Employer generosity16.2 / 5032th percentile for employer $ per participant
- Low cost20.3 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 81th |
| Employee saving | 49th |
| Peers that auto-enroll | 59% |
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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 ($2,507 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 Southwest Container put in about $1,587 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $1,599,779 |
| Participant (employee) contributions | $4,931,612 |
| Other contributions (incl. rollovers in) | $372,740 |
| Administrative expenses paid from the plan | $47,236 |
| Contract administrator fees | $47,236 |
| Benefits paid out | $5,275,941 |
| Net assets, start / end of year | $61.2M / $72.0M |
| Active participants, start / end of year | 991 / 1,025 |
| Participants with account balances | 1,230 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $47,086 reported compensation |
| Charles Schwab | $20,828 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013101805NAL0000468963001, received 2025-10-13, EIN 41-2036663, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.