Kutak Rock LLP 401(k) Review & Grade
Kutak Rock LLP 401(k) Profit Sharing Plan
Omaha, NEProfessional, Scientific & Technical Services1,013 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$16,153Employer $ per active participant
$10,837Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$535.8MNet plan assets, end of year
$463,087Average balance per account
Score breakdown
- Employer generosity49.1 / 5098th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score83 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 85th |
| Employee saving | 66th |
| Peers that auto-enroll | 48% |
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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
- Kutak Rock LLP put in about $16,153 per active participant, more than the typical peer ($3,082). 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 | $16,363,464 |
| Participant (employee) contributions | $10,977,517 |
| Other contributions (incl. rollovers in) | $617,808 |
| Administrative expenses paid from the plan | $294,526 |
| Contract administrator fees | $6,538 |
| Investment advisory & management fees | $202,216 |
| Other admin expenses | $3,250 |
| Benefits paid out | $19,275,818 |
| Net assets, start / end of year | $462.9M / $535.8M |
| Active participants, start / end of year | 1,009 / 1,017 |
| Participants with account balances | 1,157 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Charles Schwab | $160,196 reported compensation |
| Voya Institutional Plan Services, L | $89,330 reported compensation |
| Innovest | $45,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015160034NAL0010181474001, received 2025-10-15, EIN 47-0597598, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.