Stimson Lumber Company 401(k) Review & Grade
Stimson Lumber Company 401(k) Plan
Portland, ORManufacturing502 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,181Employer $ per active participant
$7,008Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$99.5MNet plan assets, end of year
$135,428Average balance per account
Score breakdown
- Employer generosity44.3 / 5089th percentile for employer $ per participant
- Low cost19.6 / 2578th percentile for low admin cost vs. same-size plans
- Employee saving11.0 / 1573th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 78th |
| Employee saving | 73th |
| 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
- Stimson Lumber put in about $6,181 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 | $3,099,850 |
| Participant (employee) contributions | $3,514,574 |
| Other contributions (incl. rollovers in) | $7,240 |
| Administrative expenses paid from the plan | $80,133 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $24,618 |
| Benefits paid out | $15,078,672 |
| Net assets, start / end of year | $93.8M / $99.5M |
| Active participants, start / end of year | 504 / 499 |
| Participants with account balances | 735 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $55,515 reported compensation |
| Strategic Advisors, Inc. | $24,618 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250822091934NAL0004972609001, received 2025-08-22, EIN 93-0290630, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.