Roehl Transport, Inc. 401(k) Review & Grade
Roehl Transport, Inc. 401(k) Profit Sharing Plan
Marshfield, WITransportation & Warehousing2,502 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,074Employer $ per active participant
$3,471Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$138.7MNet plan assets, end of year
$44,114Average balance per account
Score breakdown
- Employer generosity15.6 / 5031th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 39th |
| Employee saving | 43th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Corrective distributions: the plan refunded $17,478 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Roehl Transport put in about $1,074 per active participant, below the typical peer ($1,834). 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.
- 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 | $2,687,152 |
| Participant (employee) contributions | $8,686,617 |
| Other contributions (incl. rollovers in) | $1,259,784 |
| Administrative expenses paid from the plan | $233,155 |
| Investment advisory & management fees | $40,396 |
| Other admin expenses | $600 |
| Benefits paid out | $17,496,414 |
| Net assets, start / end of year | $126.4M / $138.7M |
| Active participants, start / end of year | 2,622 / 2,383 |
| Participants with account balances | 3,143 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Hawkins Ash Cpas, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $192,159 reported compensation |
| Capital Strategies Investment Group | $27,459 reported compensation |
| Morgan Stanley | $12,937 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250827075151NAL0016283280001, received 2025-08-27, EIN 39-1145328, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.