Sizemore, Inc. 401(k) Review & Grade
Safe-Harbor 401(k) Profit Sharing Plan for Employees of Sizemore, Inc.
Augusta, GAAdministrative, Support & Staffing Services8,202 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$26Employer $ per active participant
$42Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$4.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.9 / 5018th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 87th |
| Employee saving | 3th |
| Peers that auto-enroll | 22% |
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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
- Sizemore put in about $26 per active participant, below the typical peer ($342). 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 | $209,201 |
| Participant (employee) contributions | $343,805 |
| Other contributions (incl. rollovers in) | $29,869 |
| Administrative expenses paid from the plan | $1,343 |
| Other admin expenses | $1,343 |
| Benefits paid out | $214,583 |
| Net assets, start / end of year | $3.2M / $4.1M |
| Active participants, start / end of year | 6,883 / 9,520 |
| Participants with account balances | 181 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Serotta Maddock Evans & Co. Cpas |
Largest service providers (Schedule C)
| Mutual of America Investment Corp | $1,904 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909100530NAL0020085713001, received 2025-09-09, EIN 58-1026894, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.