Roeslein & Associates, Inc. 401(k) Review & Grade
Roeslein & Associates, Inc. Retirement Savings Plan
ST. Louis, MOProfessional, Scientific & Technical Services796 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,645Employer $ per active participant
$7,202Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$156.6MNet plan assets, end of year
$135,493Average balance per account
Score breakdown
- Employer generosity21.8 / 5044th percentile for employer $ per participant
- Low cost15.0 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 60th |
| Employee saving | 36th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,572 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Roeslein & Associates put in about $2,645 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.
- 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 | $2,106,401 |
| Participant (employee) contributions | $5,736,490 |
| Other contributions (incl. rollovers in) | $862,604 |
| Administrative expenses paid from the plan | $256,889 |
| Investment advisory & management fees | $112,529 |
| Benefits paid out | $14,480,184 |
| Net assets, start / end of year | $151.1M / $156.6M |
| Active participants, start / end of year | 819 / 774 |
| Participants with account balances | 1,156 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubin Brown LLP |
| Employer stock held by plan | $83,721,284 |
Largest service providers (Schedule C)
| Moneta Group LLC | $112,529 reported compensation |
| Epic Retirement Plan Services | $63,048 reported compensation |
| Principal Financial Group | $62,812 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251029150245NAL0001038017001, received 2025-10-29, EIN 43-1539282, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.