Russell Sigler, Inc. 401(k) Review & Grade
Sigler Profit Sharing and 401(k) Plan
Tolleson, AZProfessional, Scientific & Technical Services772 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$9,856Employer $ per active participant
$8,545Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$120.2MNet plan assets, end of year
$125,076Average balance per account
Score breakdown
- Employer generosity45.4 / 5091th percentile for employer $ per participant
- Low cost15.9 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving6.9 / 1546th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 63th |
| Employee saving | 46th |
| Peers that auto-enroll | 48% |
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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
- Russell Sigler put in about $9,856 per active participant, more than the typical peer ($3,082). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $7,609,189 |
| Participant (employee) contributions | $6,596,365 |
| Other contributions (incl. rollovers in) | $234,043 |
| Administrative expenses paid from the plan | $161,739 |
| Investment advisory & management fees | $19,712 |
| Other admin expenses | $41,701 |
| Benefits paid out | $4,959,544 |
| Net assets, start / end of year | $97.5M / $120.2M |
| Active participants, start / end of year | 738 / 806 |
| Participants with account balances | 961 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Vasquez and Company LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $142,027 reported compensation |
| Brighton Jones LLC | $15,500 reported compensation |
| Sageview LLC | $4,212 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250801115629NAL0008273504001, received 2025-08-01, EIN 86-0223222, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.