MSX International RNS, LLC 401(k) Review & Grade
MSX International 401(k) Plan
Southfield, MIProfessional, Scientific & Technical Services980 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$450Employer $ per active participant
$5,203Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$70.0MNet plan assets, end of year
$39,015Average balance per account
Score breakdown
- Employer generosity6.4 / 5013th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving3.8 / 1526th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 13th |
| Lower admin cost | 61th |
| Employee saving | 26th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $13,199 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- MSX International RNS put in about $450 per active participant, below the typical peer ($3,082). 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.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $441,041 |
| Participant (employee) contributions | $5,099,278 |
| Other contributions (incl. rollovers in) | $462,016 |
| Administrative expenses paid from the plan | $112,779 |
| Investment advisory & management fees | $77,706 |
| Benefits paid out | $14,500,808 |
| Net assets, start / end of year | $70.4M / $70.0M |
| Active participants, start / end of year | 1,010 / 950 |
| Participants with account balances | 1,794 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant, Millman & Johnson PC |
Largest service providers (Schedule C)
| Concurrent Investment Advisors LLC | $75,000 reported compensation |
| Empower Annuity Insurance Company | $20,873 reported compensation |
| Grant, Millman & Johnson, PC | $14,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013104150NAL0001047185001, received 2025-10-13, EIN 82-3432947, plan #009, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.