T.R. Nelson, Inc. 401(k) Review & Grade
T.R. Nelson, Inc. Profit Sharing Plan
Wisconsin Dells, WIRetail Trade2,102 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$643Employer $ per active participant
$1,056Employee $ saved per active participant
0.67%Direct admin cost, % of plan assets
$20.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity22.6 / 5045th percentile for employer $ per participant
- Low cost3.5 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 14th |
| Employee saving | 17th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- T.R. Nelson put in about $643 per active participant, below the typical peer ($743). 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.
- Direct plan expenses (0.67% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $1,351,842 |
| Participant (employee) contributions | $2,220,166 |
| Other contributions (incl. rollovers in) | $135,124 |
| Administrative expenses paid from the plan | $128,827 |
| Contract administrator fees | $15,060 |
| Investment advisory & management fees | $42,935 |
| Benefits paid out | $3,471,128 |
| Net assets, start / end of year | $17.8M / $20.7M |
| Active participants, start / end of year | 2,378 / 1,827 |
| Participants with account balances | 628 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Epic Retirement Plan Services | $59,815 reported compensation |
| Milestone Investment Advisors | $42,935 reported compensation |
| Premier Retirement Partners | $15,060 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015084938NAL0002042595001, received 2025-10-15, EIN 39-1475071, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.