Rose Acre Farms, Inc. 401(k) Review & Grade
Rose Acre Farms Employees' 401(k) Plan
Seymour, INAgriculture, Forestry, Fishing & Hunting2,509 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$697Employer $ per active participant
$1,637Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$100.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity13.3 / 5027th percentile for employer $ per participant
- Low cost10.2 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: all industries, plans with 2,500–9,999 active participants (fewer than 30 industry peers) (2,386 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 41th |
| Employee saving | 21th |
| Peers that auto-enroll | 52% |
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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 $154,473 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rose Acre Farms put in about $697 per active participant, below the typical peer ($2,062). 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 | $1,747,724 |
| Participant (employee) contributions | $4,106,369 |
| Other contributions (incl. rollovers in) | $200,864 |
| Administrative expenses paid from the plan | $152,695 |
| Investment advisory & management fees | $103,008 |
| Benefits paid out | $6,226,224 |
| Net assets, start / end of year | $86.8M / $100.4M |
| Active participants, start / end of year | 2,217 / 2,801 |
| Participants with account balances | 994 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Blue & Company |
Largest service providers (Schedule C)
| Shepherd Financial Investment | $88,955 reported compensation |
| Fidelity Investments Institutional | $49,712 reported compensation |
| Strategic Advisors, Inc. | $14,054 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250804122732NAL0000735795001, received 2025-08-04, EIN 35-1226426, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.