Pentech Holdings Inc. 401(k) Review & Grade
Pentech Holdings Retirement Savings Plan
Boothwyn, PARetail Trade638 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,573Employer $ per active participant
$6,136Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$44.4MNet plan assets, end of year
$60,451Average balance per account
Score breakdown
- Employer generosity45.4 / 5091th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1592th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 53th |
| Employee saving | 92th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,033 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Pentech Holdings put in about $2,573 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.
- 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 | $1,640,333 |
| Participant (employee) contributions | $3,911,607 |
| Other contributions (incl. rollovers in) | $1,725,423 |
| Administrative expenses paid from the plan | $82,575 |
| Contract administrator fees | $81,575 |
| Other admin expenses | $1,000 |
| Benefits paid out | $2,877,553 |
| Net assets, start / end of year | $34.7M / $44.4M |
| Active participants, start / end of year | 613 / 662 |
| Participants with account balances | 735 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Santora CPA Group |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $83,047 reported compensation |
| Global Retirement Partners LLC | $40,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013154231NAL0000790355001, received 2025-10-13, EIN 20-4171769, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.