Sutter Home Winery, Inc. 401(k) Review & Grade
Sutter Home Winery, Inc. 401(k) and Profit Sharing Plan · d/b/a Sutter Home Winery, Inc.
ST Helena, CAManufacturing1,111 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,637Employer $ per active participant
$6,975Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$341.4MNet plan assets, end of year
$212,154Average balance per account
Score breakdown
- Employer generosity40.2 / 5080th percentile for employer $ per participant
- Low cost23.8 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 95th |
| 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
- Sutter Home Winery put in about $4,637 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.
- 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 | $5,151,291 |
| Participant (employee) contributions | $7,749,302 |
| Other contributions (incl. rollovers in) | $1,624,369 |
| Administrative expenses paid from the plan | $67,214 |
| Investment advisory & management fees | $16,535 |
| Other admin expenses | $50,679 |
| Benefits paid out | $40,955,439 |
| Net assets, start / end of year | $331.6M / $341.4M |
| Active participants, start / end of year | 1,140 / 1,082 |
| Participants with account balances | 1,609 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| Bank of America, N.A. | $151,644 reported compensation |
| Fidelity Investments Institutional | $29,308 reported compensation |
| Strategic Advisors, Inc. | $15,356 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415121035NAL0023390803001, received 2026-04-15, EIN 94-1080860, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.