Raba Kistner, Inc. 401(k) Review & Grade
Raba Kistner, Inc. Profit Sharing 401(k) Plan
San Antonio, TXProfessional, Scientific & Technical Services792 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,072Employer $ per active participant
$6,022Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$57.2MNet plan assets, end of year
$58,819Average balance per account
Score breakdown
- Employer generosity17.3 / 5035th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 55th |
| Employee saving | 30th |
| Peers that auto-enroll | 48% |
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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
- Raba Kistner put in about $2,072 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 | $1,642,366 |
| Participant (employee) contributions | $4,772,204 |
| Other contributions (incl. rollovers in) | $1,002,754 |
| Administrative expenses paid from the plan | $103,021 |
| Investment advisory & management fees | $10,300 |
| Other admin expenses | $66,437 |
| Benefits paid out | $3,946,522 |
| Net assets, start / end of year | $47.9M / $57.2M |
| Active participants, start / end of year | 791 / 794 |
| Participants with account balances | 972 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sol Schwartz & Associates PC |
Largest service providers (Schedule C)
| Acec Retirement Trust | $66,437 reported compensation |
| Empower Annuity Insurance Company | $13,984 reported compensation |
| Sol Schwartz & Associates PC | $12,300 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250907102824NAL0018598897001, received 2025-09-07, EIN 74-1611534, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.