R.T.G. Furniture Corp. & Affiliates 401(k) Review & Grade
R.T.G. Furniture Corp. & Affiliates 401(k) Plan
Seffner, FLRetail Trade9,978 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$441Employer $ per active participant
$2,280Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$319.4MNet plan assets, end of year
$59,813Average balance per account
Score breakdown
- Employer generosity17.0 / 5034th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 34th |
| Lower admin cost | 59th |
| Employee saving | 58th |
| Peers that auto-enroll | 42% |
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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.T.G. Furniture Corp. & Affiliates put in about $441 per active participant, below the typical peer ($650). 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.
- 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 | $4,403,971 |
| Participant (employee) contributions | $22,744,458 |
| Other contributions (incl. rollovers in) | $2,236,110 |
| Administrative expenses paid from the plan | $278,955 |
| Other admin expenses | $278,955 |
| Benefits paid out | $25,614,452 |
| Net assets, start / end of year | $278.8M / $319.4M |
| Active participants, start / end of year | 10,166 / 9,789 |
| Participants with account balances | 5,340 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Accell CPA & Associates , P.A. |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $609,918 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103201NAL0002530961001, received 2025-10-14, EIN 59-3029388, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.