Rolls Royce N.A. Inc. 401(k) Review & Grade
Rolls Royce North America 401(k) Savings Plan
Reston, VAManufacturing4,362 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$9,818Employer $ per active participant
$12,898Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$1.9BNet plan assets, end of year
$305,983Average balance per account
Score breakdown
- Employer generosity47.3 / 5095th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 85th |
| Employee saving | 93th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $9,762 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rolls Royce N.A. put in about $9,818 per active participant, more than the typical peer ($3,452). 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.
- 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 | $42,824,067 |
| Participant (employee) contributions | $56,259,434 |
| Other contributions (incl. rollovers in) | $3,650,521 |
| Administrative expenses paid from the plan | $688,710 |
| Investment advisory & management fees | $410,871 |
| Other admin expenses | $178,995 |
| Benefits paid out | $198,735,545 |
| Net assets, start / end of year | $1.7B / $1.9B |
| Active participants, start / end of year | 4,389 / 4,335 |
| Participants with account balances | 6,158 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PWC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $410,871 reported compensation |
| Fiducient Advisors LLC | $80,646 reported compensation |
| Willis Towers Watson US LLC | $80,281 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015135956NAL0002410163001, received 2025-10-15, EIN 54-1967187, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.