Four Rivers Nuclear Partnership 401(k) Review & Grade
Four Rivers Nuclear Partnership Retirement Plan
Kevil, KYAdministrative, Support & Staffing Services860 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,174Employer $ per active participant
$10,026Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$108.4MNet plan assets, end of year
$109,316Average balance per account
Score breakdown
- Employer generosity49.5 / 5099th percentile for employer $ per participant
- Low cost14.9 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1595th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 60th |
| Employee saving | 95th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $377 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Four Rivers Nuclear Partnership put in about $8,174 per active participant, more than the typical peer ($712). 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.
- 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 | $7,029,741 |
| Participant (employee) contributions | $8,622,560 |
| Other contributions (incl. rollovers in) | $999,288 |
| Administrative expenses paid from the plan | $166,071 |
| Investment advisory & management fees | $76,968 |
| Benefits paid out | $9,064,907 |
| Net assets, start / end of year | $89.4M / $108.4M |
| Active participants, start / end of year | 889 / 831 |
| Participants with account balances | 992 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Elliott Davis LLC |
Largest service providers (Schedule C)
| Edward Jones | $126,254 reported compensation |
| Adp, Inc. | $81,886 reported compensation |
| Elliott Davis , LLC | $21,100 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925050832NAL0008198529001, received 2025-09-25, EIN 81-3609270, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.