Trex Company, Inc. 401(k) Review & Grade
Trex Company, Inc. 401(k) Profit Sharing Plan
Winchester, VAManufacturing1,766 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,734Employer $ per active participant
$6,905Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$184.1MNet plan assets, end of year
$79,216Average balance per account
Score breakdown
- Employer generosity40.5 / 5081th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 74th |
| Employee saving | 72th |
| Peers that auto-enroll | 59% |
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
- Trex Company put in about $4,734 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.
- 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 | $8,360,860 |
| Participant (employee) contributions | $12,194,197 |
| Other contributions (incl. rollovers in) | $1,292,001 |
| Administrative expenses paid from the plan | $171,758 |
| Other admin expenses | $171,758 |
| Benefits paid out | $11,984,826 |
| Net assets, start / end of year | $152.8M / $184.1M |
| Active participants, start / end of year | 1,710 / 1,822 |
| Participants with account balances | 2,324 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Yount, Hyde & Barbour P.C. |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $123,681 reported compensation |
| Vanguard Advisers Inc. | $66,423 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250805141153NAL0001269811001, received 2025-08-05, EIN 54-1910453, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.