Window Nation LLC 401(k) Review & Grade
The Window Nation 401(k) and Profit Sharing Plan
Fulton, MDConstruction854 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$607Employer $ per active participant
$3,702Employee $ saved per active participant
0.99%Direct admin cost, % of plan assets
$15.5MNet plan assets, end of year
$13,148Average balance per account
Score breakdown
- Employer generosity9.8 / 5020th percentile for employer $ per participant
- Low cost1.7 / 257th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 7th |
| Employee saving | 47th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $108,767 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Window Nation put in about $607 per active participant, below the typical peer ($1,672). 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 (0.99% 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.
- 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 | $518,455 |
| Participant (employee) contributions | $3,161,348 |
| Other contributions (incl. rollovers in) | $384,374 |
| Administrative expenses paid from the plan | $135,353 |
| Investment advisory & management fees | $18,168 |
| Other admin expenses | $6,680 |
| Benefits paid out | $1,989,743 |
| Net assets, start / end of year | $12.0M / $15.5M |
| Active participants, start / end of year | 960 / 748 |
| Participants with account balances | 1,176 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | BSB Partners |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $110,505 reported compensation |
| LPL Financial LLC | $42,813 reported compensation |
| Wellth Advisory Services LLC | $10,088 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015163017NAL0005424225001, received 2025-10-15, EIN 20-5084724, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.