Rosenbauer South Dakota, LLC 401(k) Review & Grade
Rosenbauer America, LLC 401(k) Profit Sharing Plan
Lyons, SDManufacturing762 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,500Employer $ per active participant
$4,147Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$60.4MNet plan assets, end of year
$78,699Average balance per account
Score breakdown
- Employer generosity15.4 / 5031th percentile for employer $ per participant
- Low cost15.4 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 61th |
| Employee saving | 39th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Rosenbauer South Dakota put in about $1,500 per active participant, below the typical peer ($2,320). 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 | $1,143,116 |
| Participant (employee) contributions | $3,159,920 |
| Other contributions (incl. rollovers in) | $703,751 |
| Administrative expenses paid from the plan | $89,334 |
| Investment advisory & management fees | $79,482 |
| Benefits paid out | $5,199,545 |
| Net assets, start / end of year | $52.1M / $60.4M |
| Active participants, start / end of year | 753 / 771 |
| Participants with account balances | 767 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Edward Jones | $79,482 reported compensation |
| Capital Group Retirement Plan Svcs. | $9,852 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250717154342NAL0000598641001, received 2025-07-17, EIN 46-0448012, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.