RB Global Holdings, Inc. 401(k) Review & Grade
RB Global Retirement Plan
Westchester, ILWholesale Trade4,647 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,522Employer $ per active participant
$4,369Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$324.5MNet plan assets, end of year
$74,795Average balance per account
Score breakdown
- Employer generosity26.0 / 5052th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving4.9 / 1532th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score37 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 63th |
| Employee saving | 32th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,799,362 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,586 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- RB Global Holdings put in about $2,522 per active participant, more than the typical peer ($2,459). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $11,720,209 |
| Participant (employee) contributions | $20,302,244 |
| Other contributions (incl. rollovers in) | $2,397,857 |
| Administrative expenses paid from the plan | $253,189 |
| Investment advisory & management fees | $116,413 |
| Other admin expenses | $45,000 |
| Benefits paid out | $42,871,984 |
| Net assets, start / end of year | $289.7M / $324.5M |
| Active participants, start / end of year | 3,829 / 5,465 |
| Participants with account balances | 4,339 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thorton LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $116,413 reported compensation |
| Fidelity Investments Institutional | $91,776 reported compensation |
| Creative Planning Holdco, LLC | $45,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014203818NAL0001806931001, received 2025-10-14, EIN 91-1372731, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.