Williams Scotsman, Inc. 401(k) Review & Grade
Willscot 401(k) Plan
Phoenix, AZReal Estate & Rental4,408 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,970Employer $ per active participant
$5,824Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$284.6MNet plan assets, end of year
$54,904Average balance per account
Score breakdown
- Employer generosity41.8 / 5084th percentile for employer $ per participant
- Low cost9.9 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving10.7 / 1571th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 39th |
| Employee saving | 71th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $384 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Williams Scotsman put in about $2,970 per active participant, more than the typical peer ($1,141). 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 | $13,092,182 |
| Participant (employee) contributions | $25,667,290 |
| Other contributions (incl. rollovers in) | $4,044,700 |
| Administrative expenses paid from the plan | $462,084 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $75,441 |
| Other admin expenses | $40,500 |
| Benefits paid out | $36,619,570 |
| Net assets, start / end of year | $246.1M / $284.6M |
| Active participants, start / end of year | 4,627 / 4,188 |
| Participants with account balances | 5,183 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | S B & Company |
| Employer stock held by plan | $2,317,424 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $322,036 reported compensation |
| Strategic Advisors, Inc. | $60,441 reported compensation |
| Sageview Advisory Group, LLC | $40,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250715131821NAL0001343555001, received 2025-07-15, EIN 52-0665775, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.