Rotary International 401(k) Review & Grade
Rotary International 401(k) Plan
Evanston, ILOther Services582 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,116Employer $ per active participant
$10,286Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$170.4MNet plan assets, end of year
$197,680Average balance per account
Score breakdown
- Employer generosity48.2 / 5096th percentile for employer $ per participant
- Low cost21.0 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score93 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 84th |
| Employee saving | 94th |
| Peers that auto-enroll | 40% |
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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
- Rotary International put in about $8,116 per active participant, more than the typical peer ($1,257). 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 | $4,719,636 |
| Participant (employee) contributions | $5,981,245 |
| Other contributions (incl. rollovers in) | $336,923 |
| Administrative expenses paid from the plan | $96,235 |
| Other admin expenses | $289 |
| Benefits paid out | $6,826,367 |
| Net assets, start / end of year | $146.2M / $170.4M |
| Active participants, start / end of year | 575 / 588 |
| Participants with account balances | 862 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $95,946 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250520160424NAL0001725376001, received 2025-05-20, EIN 36-1707667, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.