TLD America 401(k) Review & Grade
TLD USA Profit Sharing and Savings Plan
Windsor, CTManufacturing584 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,149Employer $ per active participant
$3,834Employee $ saved per active participant
$0 reportedDirect admin cost, % of plan assets
$27.3MNet plan assets, end of year
$57,994Average balance per account
Score breakdown
- Employer generosity10.5 / 5021th percentile for employer $ per participant
- Low cost12.5 / 25No direct expenses reported, scored neutral
- Employee saving5.1 / 1534th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-13 pts2 issues reported on the filing
Total score15 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | neutral |
| Employee saving | 34th |
| Peers that auto-enroll | 59% |
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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 ($193,173 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $5,536 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- TLD America put in about $1,149 per active participant, below the typical peer ($2,320). 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.
- The plan reported no administrative expenses paid from plan assets. The employer may pay them, or the costs may be built into fund fees. Check your 404(a)(5) fee disclosure for each fund's expense ratio.
- 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 | $671,525 |
| Participant (employee) contributions | $2,240,829 |
| Other contributions (incl. rollovers in) | $953,268 |
| Administrative expenses paid from the plan | $0 |
| Benefits paid out | $2,700,438 |
| Net assets, start / end of year | $22.9M / $27.3M |
| Active participants, start / end of year | 493 / 676 |
| Participants with account balances | 470 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eichen & Dimeglio |
Largest service providers (Schedule C)
| Kestra Investment Services LLC | $56,405 reported compensation |
| T R Paul Inc. | $19,919 reported compensation |
| Empower | $2,720 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014151620NAL0003139681001, received 2025-10-14, EIN 13-2554618, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.