Sunshine Bouquet Company 401(k) Review & Grade
Sunshine Bouquet Company 401(k) Plan
Dayton, NJWholesale Trade620 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,097Employer $ per active participant
$3,194Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$23.7MNet plan assets, end of year
$60,519Average balance per account
Score breakdown
- Employer generosity14.0 / 5028th percentile for employer $ per participant
- Low cost11.9 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 47th |
| Employee saving | 26th |
| Peers that auto-enroll | 53% |
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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
- Sunshine Bouquet put in about $1,097 per active participant, below the typical peer ($1,792). 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 | $679,532 |
| Participant (employee) contributions | $1,978,375 |
| Other contributions (incl. rollovers in) | $1,775,760 |
| Administrative expenses paid from the plan | $51,879 |
| Investment advisory & management fees | $40,433 |
| Benefits paid out | $1,290,301 |
| Net assets, start / end of year | $18.1M / $23.7M |
| Active participants, start / end of year | 591 / 648 |
| Participants with account balances | 391 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withiumsmith Brown PC |
Largest service providers (Schedule C)
| Principled Advisors, Inc. | $40,432 reported compensation |
| Adp, Inc. | $11,445 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015121345NAL0009523298001, received 2025-10-15, EIN 22-2326282, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.