The Boldt Group Inc 401(k) Review & Grade
The Boldt Company's Retirement Plan
Appleton, WIManagement of Companies736 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,918Employer $ per active participant
$12,444Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$146.1MNet plan assets, end of year
$142,545Average balance per account
Score breakdown
- Employer generosity37.7 / 5075th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score78 / 100 · Grade A
This plan vs. peers
Peers: Management of Companies plans with 500–2,499 active participants (172 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 67th |
| Employee saving | 90th |
| Peers that auto-enroll | 58% |
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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
- Boldt Group put in about $4,918 per active participant, more than the typical peer ($2,492). 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 | $3,617,446 |
| Participant (employee) contributions | $9,152,685 |
| Other contributions (incl. rollovers in) | $1,965,991 |
| Administrative expenses paid from the plan | $181,478 |
| Investment advisory & management fees | $55,908 |
| Benefits paid out | $21,265,869 |
| Net assets, start / end of year | $134.5M / $146.1M |
| Active participants, start / end of year | 728 / 743 |
| Participants with account balances | 1,025 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Oneamerica Retirement Services, LLC | $119,480 reported compensation |
| Francis Investment Counsel LLC | $55,908 reported compensation |
| Clifton Larson Allen LLP | $6,090 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917112506NAL0000457715001, received 2025-09-17, EIN 39-1481879, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.