Pomptonian Inc. 401(k) Review & Grade
Pomptonian, Inc. 401(k) Savings Plan
Fairfield, NJAccommodation & Food Services1,251 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$52Employer $ per active participant
$721Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$12.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.1 / 5016th percentile for employer $ per participant
- Low cost24.1 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1546th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 16th |
| Lower admin cost | 97th |
| Employee saving | 46th |
| Peers that auto-enroll | 17% |
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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
- Pomptonian put in about $52 per active participant, below the typical peer ($266). 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 | $64,721 |
| Participant (employee) contributions | $902,327 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $1,769 |
| Benefits paid out | $1,026,439 |
| Net assets, start / end of year | $10.7M / $12.1M |
| Active participants, start / end of year | 945 / 1,557 |
| Participants with account balances | 235 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PKF O'connor Davies, LLP |
Largest service providers (Schedule C)
| Ameriprise Financial Services Inc | $26,925 reported compensation |
| Fidelity Investments Institutional | $1,769 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929103106NAL0010776273001, received 2025-09-29, EIN 22-1641512, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.