Rosebud Mining Company 401(k) Review & Grade
Rosebud Mining Company 401(k) Plan
Kittanning, PAMining, Oil & Gas931 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$11,188Employer $ per active participant
$8,847Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$235.1MNet plan assets, end of year
$203,750Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost23.5 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving10.0 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Mining, Oil & Gas plans with 500–2,499 active participants (129 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 94th |
| Employee saving | 66th |
| Peers that auto-enroll | 60% |
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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
- Rosebud Mining put in about $11,188 per active participant, more than the typical peer ($4,357). 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 | $10,415,730 |
| Participant (employee) contributions | $8,236,728 |
| Other contributions (incl. rollovers in) | $1,475,342 |
| Administrative expenses paid from the plan | $53,795 |
| Investment advisory & management fees | $29,855 |
| Benefits paid out | $11,146,074 |
| Net assets, start / end of year | $200.4M / $235.1M |
| Active participants, start / end of year | 940 / 922 |
| Participants with account balances | 1,154 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Schneider Downs & Co. Inc. |
Largest service providers (Schedule C)
| Adp, Inc. | $53,795 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923051253NAL0005302257001, received 2025-09-23, EIN 25-1359034, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.