Sierra Nevada Brewing Co. 401(k) Review & Grade
Sierra Nevada Brewing 401(k) Plan
Chico, CAManufacturing1,070 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,766Employer $ per active participant
$7,252Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$226.1MNet plan assets, end of year
$138,623Average balance per account
Score breakdown
- Employer generosity43.5 / 5087th percentile for employer $ per participant
- Low cost22.8 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score88 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 91th |
| Employee saving | 75th |
| Peers that auto-enroll | 59% |
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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
- Sierra Nevada Brewing put in about $5,766 per active participant, more than the typical peer ($2,320). 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 | $6,169,461 |
| Participant (employee) contributions | $7,759,182 |
| Other contributions (incl. rollovers in) | $1,057,954 |
| Administrative expenses paid from the plan | $77,123 |
| Investment advisory & management fees | $49,177 |
| Benefits paid out | $14,245,044 |
| Net assets, start / end of year | $193.6M / $226.1M |
| Active participants, start / end of year | 1,031 / 1,109 |
| Participants with account balances | 1,631 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kcoe Isom, LLP |
Largest service providers (Schedule C)
| LPL Financial | $31,177 reported compensation |
| Fidelity Investments Institutional | $29,297 reported compensation |
| Colton Groome Financial Advisors | $18,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925173713NAL0012568002001, received 2025-09-25, EIN 68-0025654, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.