H.e. Rohrer, LLC 401(k) Review & Grade
H. E. Rohrer, LLC Profit Sharing 401(k) Plan
Duncannon, PATransportation & Warehousing914 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$56Employer $ per active participant
$370Employee $ saved per active participant
0.80%Direct admin cost, % of plan assets
$5.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity2.6 / 505th percentile for employer $ per participant
- Low cost2.5 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving0.5 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score6 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 10th |
| Employee saving | 3th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $16,618 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- H.e. Rohrer put in about $56 per active participant, below the typical peer ($1,070). 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 (0.80% 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.
- 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 | $51,595 |
| Participant (employee) contributions | $337,989 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $40,308 |
| Contract administrator fees | $23,350 |
| Investment advisory & management fees | $16,958 |
| Benefits paid out | $598,504 |
| Net assets, start / end of year | $4.9M / $5.3M |
| Active participants, start / end of year | 875 / 954 |
| Participants with account balances | 156 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Brown, Schultz, Fritz & Sheridan |
Largest service providers (Schedule C)
| Stancorp Financial Group | $26,611 reported compensation |
| Cambridge Investment Research, Inc. | $16,958 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014091153NAL0001156147001, received 2025-10-14, EIN 23-1875250, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.