R.H. White Construction Co., Inc. 401(k) Review & Grade
R.H. White 401(k) Profit Sharing-Pw Plan
Auburn, MAConstruction504 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,280Employer $ per active participant
$6,365Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$70.4MNet plan assets, end of year
$100,654Average balance per account
Score breakdown
- Employer generosity46.0 / 5092th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving11.9 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 51th |
| Employee saving | 79th |
| Peers that auto-enroll | 44% |
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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
- R.H. White Construction Co. put in about $6,280 per active participant, more than the typical peer ($1,672). 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 | $3,164,887 |
| Participant (employee) contributions | $3,207,782 |
| Other contributions (incl. rollovers in) | $520,585 |
| Administrative expenses paid from the plan | $144,343 |
| Other admin expenses | $144,343 |
| Benefits paid out | $3,898,523 |
| Net assets, start / end of year | $59.7M / $70.4M |
| Active participants, start / end of year | 488 / 520 |
| Participants with account balances | 699 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Citrin Cooperman & Company, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $37,132 reported compensation |
| Pinnacle Pension Consultants | $28,538 reported compensation |
| Citrin Cooperman & Company LLP | $23,253 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008132857NAL0003040291001, received 2025-10-08, EIN 04-2133102, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.