Rottinghaus Company, Inc. 401(k) Review & Grade
Rottinghaus Company 401(k) Savings Plan
Lacrosse, WIRetail Trade688 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$473Employer $ per active participant
$1,039Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$23.7MNet plan assets, end of year
$62,979Average balance per account
Score breakdown
- Employer generosity17.4 / 5035th percentile for employer $ per participant
- Low cost12.6 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 50th |
| Employee saving | 17th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $103,650 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rottinghaus Company put in about $473 per active participant, below the typical peer ($743). 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 | $325,807 |
| Participant (employee) contributions | $715,147 |
| Other contributions (incl. rollovers in) | $1,802 |
| Administrative expenses paid from the plan | $51,659 |
| Contract administrator fees | $51,659 |
| Benefits paid out | $1,593,038 |
| Net assets, start / end of year | $21.8M / $23.7M |
| Active participants, start / end of year | 690 / 687 |
| Participants with account balances | 377 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lbmc, PC |
Largest service providers (Schedule C)
| 401k Safe, 3(16) LLC | $14,850 reported compensation |
| Lbmc PC | $13,800 reported compensation |
| Nationwide | $7,334 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014154909NAL0006673346001, received 2025-10-14, EIN 93-0981410, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.