Rieth-Riley Construction Co., Inc. 401(k) Review & Grade
Infrastructure Prosperity Group Employee Stock Ownership and Deferred Compensation Plan
Goshen, INConstruction1,094 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$13,679Employer $ per active participant
$6,220Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$858.9MNet plan assets, end of year
$722,961Average balance per account
Score breakdown
- Employer generosity49.3 / 5099th percentile for employer $ per participant
- Low cost24.4 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving11.6 / 1577th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 98th |
| Employee saving | 77th |
| Peers that auto-enroll | 44% |
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
- Rieth-Riley Construction Co. put in about $13,679 per active participant, more than the typical peer ($1,672). 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.
- 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 | $14,957,969 |
| Participant (employee) contributions | $6,801,728 |
| Other contributions (incl. rollovers in) | $397,401 |
| Administrative expenses paid from the plan | $83,923 |
| Benefits paid out | $38,372,529 |
| Net assets, start / end of year | $681.0M / $858.9M |
| Active participants, start / end of year | 1,148 / 1,039 |
| Participants with account balances | 1,188 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
| Employer stock held by plan | $851,367,475 |
Largest service providers (Schedule C)
| 1st Source Bank | $83,923 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251218141246NAL0011956866001, received 2025-12-18, EIN 35-0918397, plan #003, plan year 2024-04-01 to 2025-03-31. Verify at efast.dol.gov.
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