Sto Building Group, Inc. 401(k) Review & Grade
Structure Tone Organization 401k Plan
New York, NYConstruction1,538 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,463Employer $ per active participant
$11,848Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$402.3MNet plan assets, end of year
$192,234Average balance per account
Score breakdown
- Employer generosity40.1 / 5080th percentile for employer $ per participant
- Low cost14.6 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 59th |
| Employee saving | 98th |
| Peers that auto-enroll | 44% |
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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
- Sto Building Group put in about $3,463 per active participant, more than the typical peer ($1,672). 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 | $5,324,378 |
| Participant (employee) contributions | $18,216,072 |
| Other contributions (incl. rollovers in) | $1,346,587 |
| Administrative expenses paid from the plan | $684,166 |
| Investment advisory & management fees | $436,563 |
| Benefits paid out | $44,290,585 |
| Net assets, start / end of year | $377.4M / $402.3M |
| Active participants, start / end of year | 1,526 / 1,549 |
| Participants with account balances | 2,093 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grassi & Co |
Largest service providers (Schedule C)
| Financial Engines | $353,605 reported compensation |
| Transamerica Retirement Solutions | $247,603 reported compensation |
| Mercer Investments LLC | $82,958 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251119153952NAL0009552226001, received 2025-11-19, EIN 81-4302917, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.