Rock Capital Holdings LLC 401(k) Review & Grade
Mpowerhealth 401(k) Plan
San Antonio, TXProfessional, Scientific & Technical Services568 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,866Employer $ per active participant
$3,873Employee $ saved per active participant
0.57%Direct admin cost, % of plan assets
$16.9MNet plan assets, end of year
$38,168Average balance per account
Score breakdown
- Employer generosity15.9 / 5032th percentile for employer $ per participant
- Low cost4.8 / 2519th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 19th |
| Employee saving | 19th |
| Peers that auto-enroll | 48% |
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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
- Rock Capital Holdings put in about $1,866 per active participant, below the typical peer ($3,082). 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 (0.57% 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.
- 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 | $1,060,866 |
| Participant (employee) contributions | $2,201,518 |
| Other contributions (incl. rollovers in) | $640,289 |
| Administrative expenses paid from the plan | $84,232 |
| Investment advisory & management fees | $41,904 |
| Benefits paid out | $1,258,486 |
| Net assets, start / end of year | $12.6M / $16.9M |
| Active participants, start / end of year | 396 / 741 |
| Participants with account balances | 444 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $42,328 reported compensation |
| Mma Securities | $33,015 reported compensation |
| Strategic Advisors, Inc. | $8,889 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009160325NAL0006873249001, received 2025-10-09, EIN 83-2715107, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.