1 critical issue
Tilsner Carton Co.
41-0902510· St Paul, MN· 2025 filing
D
0/100
Overall grade
Below average. Several areas need attention.
–
Fees
–
Financial Wellness
D
Plan design
C
Compliance
Fees
This plan's fees aren't public. Enter yours to grade them against similar plans.
Financial Wellness
Contribution data isn't available for this plan.
Plan design
Good base, but no automatic enrollment. That's the top thing to add.
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
No automatic enrollment
Employees have to opt in themselves. Auto-enrollment is the easiest way to lift participation, and most newly started plans are now required to include it.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health
1 critical issue on the latest filing. These need attention.
Failed IRS fairness test
The plan failed its annual IRS fairness test and had to refund contributions to higher-paid employees. A safe harbor design eliminates this problem entirely.
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Key insights
- Strongest area: compliance & health. 1 critical issue on the latest filing. These need attention.
- Best place to improve: plan design. Good base, but no automatic enrollment. That's the top thing to add.
- Enter your fees (PEPM, monthly, and AUM %) to see exactly how your costs compare.
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