Pitt Ohio Express, LLC 401(k) Review & Grade
Pitt Ohio Express, LLC Profit Sharing Plan 401(k)
Pittsburgh, PATransportation & Warehousing3,764 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,971Employer $ per active participant
$5,015Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$396.0MNet plan assets, end of year
$102,733Average balance per account
Score breakdown
- Employer generosity38.5 / 5077th percentile for employer $ per participant
- Low cost16.3 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 65th |
| Employee saving | 60th |
| 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
- Pitt Ohio Express put in about $3,971 per active participant, more than the typical peer ($1,834). 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.
- 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 | $14,950,209 |
| Participant (employee) contributions | $18,877,243 |
| Other contributions (incl. rollovers in) | $357,511 |
| Administrative expenses paid from the plan | $301,855 |
| Benefits paid out | $54,088,181 |
| Net assets, start / end of year | $374.0M / $396.0M |
| Active participants, start / end of year | 4,104 / 3,425 |
| Participants with account balances | 3,855 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Schneider Downs & Co., Inc |
Largest service providers (Schedule C)
| Empower Annuity Ins. Co. of America | $301,855 reported compensation |
| T Rowe Price RPS Inc | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015125422NAL0009682594001, received 2025-10-15, EIN 25-1841122, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.