Reyes Holdings, L.L.C. 401(k) Review & Grade
Reyes Holdings Retirement Plan
Rosemont, ILTransportation & Warehousing23,426 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,815Employer $ per active participant
$6,661Employee $ saved per active participant
0.09%Direct admin cost, % of plan assets
$2.1BNet plan assets, end of year
$76,048Average balance per account
Score breakdown
- Employer generosity34.4 / 5069th percentile for employer $ per participant
- Low cost12.6 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 10,000+ active participants (46 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 51th |
| Employee saving | 78th |
| Peers that auto-enroll | 30% |
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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
- Reyes Holdings put in about $2,815 per active participant, more than the typical peer ($1,415). 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 | $65,941,798 |
| Participant (employee) contributions | $156,045,296 |
| Other contributions (incl. rollovers in) | $13,953,402 |
| Administrative expenses paid from the plan | $1,672,728 |
| Investment advisory & management fees | $40,690 |
| Benefits paid out | $147,819,524 |
| Net assets, start / end of year | $1.8B / $2.1B |
| Active participants, start / end of year | 23,408 / 23,445 |
| Participants with account balances | 27,714 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly, US LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $861,047 reported compensation |
| Empower Advisory Group, LLC | $334,296 reported compensation |
| Capital Strategies Investment Group | $329,168 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015150753NAL0009946722001, received 2025-10-15, EIN 36-4121934, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.