Equipmentshare.com, Inc. 401(k) Review & Grade
Equipmentshare's Retirement Savings Plan
Columbia, MOReal Estate & Rental4,890 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,082Employer $ per active participant
$3,400Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$80.3MNet plan assets, end of year
$30,041Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving8.0 / 1553th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 20th |
| Employee saving | 53th |
| Peers that auto-enroll | 46% |
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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
- Equipmentshare.com put in about $1,082 per active participant, below the typical peer ($1,141). 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 (0.33% of assets) are well above similar-size plans (0.12%). 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.
- 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 | $5,291,453 |
| Participant (employee) contributions | $16,622,824 |
| Other contributions (incl. rollovers in) | $7,846,779 |
| Administrative expenses paid from the plan | $218,134 |
| Contract administrator fees | $171,169 |
| Investment advisory & management fees | $46,965 |
| Benefits paid out | $8,959,967 |
| Net assets, start / end of year | $51.2M / $80.3M |
| Active participants, start / end of year | 4,507 / 5,272 |
| Participants with account balances | 2,672 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Williams-Keepers LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $171,169 reported compensation |
| Ubs Financial Services Inc | $46,965 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008110248NAL0002942659001, received 2025-10-08, EIN 47-2405753, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.