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Grade My 401(k)
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1 critical issue

Avery Dennison Corporation

95-1492269· Mentor, OH· Fidelity· 2025 filing· vs 14 plans your size
C
0/100
Overall grade

Middle of the pack, with clear ways to do better.

B
Fees
B
Financial Wellness
D
Plan design
D
Compliance
Fees

Your plan pays around 5 bps of assets per year. Similar plans pay around 11 bps. Your plan is cheaper than about 76% of similar plans.

B
cheaper24th percentilepricier
Financial Wellness

Strong savings. Employees put away $9,774/employee a year. That's more than 83% of similar plans.

B
lower83th percentilehigher
Plan design

No employer match or contribution, the feature that matters most for savings.

D
No employer match
No match is reported. A match is the top reason employees enroll and contribute. 92% of similar plans offer one.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
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.
Brokerage window
Employees can invest beyond the core fund menu through a self-directed brokerage account.
Compliance & health

1 critical issue on the latest filing. These need attention.

D
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.
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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Fidelity

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Key insights

  • Strongest area: financial wellness. Strong savings. Employees put away $9,774/employee a year. That's more than 83% of similar plans.
  • Best place to improve: compliance & health. 1 critical issue on the latest filing. These need attention.
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