Roadsafe Traffic Systems 401(k) Review & Grade
Roadsafe Traffic Systems, Inc. 401(k) Plan
Romeoville, ILConstruction2,176 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$875Employer $ per active participant
$3,335Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$59.5MNet plan assets, end of year
$26,869Average balance per account
Score breakdown
- Employer generosity14.1 / 5028th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1542th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 23th |
| Employee saving | 42th |
| Peers that auto-enroll | 44% |
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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 ($2,200 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Roadsafe Traffic Systems put in about $875 per active participant, below the typical peer ($1,672). 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.
- Direct plan expenses (0.50% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,902,988 |
| Participant (employee) contributions | $7,256,350 |
| Other contributions (incl. rollovers in) | $889,405 |
| Administrative expenses paid from the plan | $280,899 |
| Contract administrator fees | $280,899 |
| Benefits paid out | $9,417,690 |
| Net assets, start / end of year | $52.5M / $59.5M |
| Active participants, start / end of year | 2,198 / 2,153 |
| Participants with account balances | 2,215 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $280,898 reported compensation |
| Mma Securities LLC | $50,000 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923095321NAL0014445938001, received 2025-09-23, EIN 26-1084418, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.