Poly-America, L.P. 401(k) Review & Grade
Poly-America, L.P. Retirement Plan
Grand Prairie, TXManufacturing4,542 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,371Employer $ per active participant
$3,516Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$233.1MNet plan assets, end of year
$42,979Average balance per account
Score breakdown
- Employer generosity24.2 / 5048th percentile for employer $ per participant
- Low cost21.4 / 2586th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 48th |
| Lower admin cost | 86th |
| Employee saving | 20th |
| Peers that auto-enroll | 70% |
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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
- Poly-America, L.P. put in about $3,371 per active participant, below the typical peer ($3,452). 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.
- 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 | $15,311,151 |
| Participant (employee) contributions | $15,970,988 |
| Other contributions (incl. rollovers in) | $198,490 |
| Administrative expenses paid from the plan | $81,007 |
| Benefits paid out | $16,113,851 |
| Net assets, start / end of year | $197.6M / $233.1M |
| Active participants, start / end of year | 4,370 / 4,715 |
| Participants with account balances | 5,424 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PSK, LLP |
Largest service providers (Schedule C)
| Matrix Trust Company | $57,770 reported compensation |
| Milliman, Inc. | $23,237 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007084151NAL0004511585001, received 2025-10-07, EIN 36-2809122, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.