Stonex Group Inc. 401(k) Review & Grade
Stonex Group Inc. 401(k) Plan
Kansas City, MOFinance & Insurance1,834 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,732Employer $ per active participant
$12,202Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$309.2MNet plan assets, end of year
$134,787Average balance per account
Score breakdown
- Employer generosity40.8 / 5082th percentile for employer $ per participant
- Low cost21.0 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1583th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 82th |
| Lower admin cost | 84th |
| Employee saving | 83th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($3,187,864 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Stonex Group put in about $6,732 per active participant, more than the typical peer ($3,606). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $12,343,048 |
| Participant (employee) contributions | $22,372,518 |
| Other contributions (incl. rollovers in) | $1,817,133 |
| Administrative expenses paid from the plan | $174,353 |
| Benefits paid out | $23,347,191 |
| Net assets, start / end of year | $265.6M / $309.2M |
| Active participants, start / end of year | 1,843 / 1,824 |
| Participants with account balances | 2,294 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
| Employer stock held by plan | $260,601 |
Largest service providers (Schedule C)
| Cbiz Cpas P.C. | $97,872 reported compensation |
| Stinson LLP | $45,980 reported compensation |
| Merrill Lynch, Pierce, Fenner and S | $30,501 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731145058NAL0013510306001, received 2025-07-31, EIN 59-2921318, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.