Reserve Communications and Computer, LLC 401(k) Review & Grade
RCC 401(k) Plan and Trust · d/b/a D/B/A Rev
Gonzales, LAUtilities614 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,815Employer $ per active participant
$2,994Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$79.7MNet plan assets, end of year
$179,540Average balance per account
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost15.9 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving0.4 / 153th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score19 / 100 · Grade F
This plan vs. peers
Peers: Utilities plans with 500–2,499 active participants (75 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 64th |
| Employee saving | 3th |
| Peers that auto-enroll | 76% |
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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
- Reserve Communications and Computer put in about $1,815 per active participant, below the typical peer ($6,264). 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 | $1,113,723 |
| Participant (employee) contributions | $1,837,025 |
| Other contributions (incl. rollovers in) | $118,113 |
| Administrative expenses paid from the plan | $112,566 |
| Contract administrator fees | $112,566 |
| Benefits paid out | $7,952,737 |
| Net assets, start / end of year | $74.0M / $79.7M |
| Active participants, start / end of year | 614 / 613 |
| Participants with account balances | 444 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisneramper LLP |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner & Smi | $112,654 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009160255NAL0007269169001, received 2025-10-09, EIN 72-1010639, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.