R.e.e., Inc. 401(k) Review & Grade
R.e.e., Inc. 401(k) Profit Sharing Plan
Beaumont, TXAccommodation & Food Services534 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$313Employer $ per active participant
$445Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$4.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity27.4 / 5055th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 53th |
| Employee saving | 27th |
| Peers that auto-enroll | 17% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $51,024 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- R.e.e. put in about $313 per active participant, more than the typical peer ($266). 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 | $167,106 |
| Participant (employee) contributions | $237,587 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $7,698 |
| Benefits paid out | $166,321 |
| Net assets, start / end of year | $3.4M / $4.0M |
| Active participants, start / end of year | 589 / 480 |
| Participants with account balances | 72 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20251013143224NAL0001518913001, received 2025-10-13, EIN 74-1752971, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.