Rheinmetall Group 401(k) Review & Grade
Rheinmetall Group USA 401(k) Retirement Plan
Marinette, WITransportation & Warehousing772 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,834Employer $ per active participant
$8,348Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$70.2MNet plan assets, end of year
$76,086Average balance per account
Score breakdown
- Employer generosity44.4 / 5089th percentile for employer $ per participant
- Low cost13.2 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 53th |
| Employee saving | 93th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,048 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rheinmetall Group put in about $3,834 per active participant, more than the typical peer ($1,070). 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 | $2,961,701 |
| Participant (employee) contributions | $6,448,771 |
| Other contributions (incl. rollovers in) | $719,368 |
| Administrative expenses paid from the plan | $165,876 |
| Investment advisory & management fees | $73,150 |
| Benefits paid out | $9,494,443 |
| Net assets, start / end of year | $88.1M / $70.2M |
| Active participants, start / end of year | 901 / 644 |
| Participants with account balances | 923 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $92,726 reported compensation |
| Onedigital Investment Advisors LLC | $55,000 reported compensation |
| Strategic Advisors, Inc. | $18,150 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250915133101NAL0000747571001, received 2025-09-15, EIN 51-0257461, plan #335, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.