Royal Cup, Inc. 401(k) Review & Grade
Royal Cup, Inc. 401(k) Retirement Plan
Birmingham, ALWholesale Trade544 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,361Employer $ per active participant
$5,256Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$46.9MNet plan assets, end of year
$68,492Average balance per account
Score breakdown
- Employer generosity18.4 / 5037th percentile for employer $ per participant
- Low cost9.2 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving8.9 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 37th |
| Employee saving | 59th |
| Peers that auto-enroll | 53% |
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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
- Royal Cup put in about $1,361 per active participant, below the typical peer ($1,792). 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.
- 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 | $739,882 |
| Participant (employee) contributions | $2,856,778 |
| Other contributions (incl. rollovers in) | $121,448 |
| Administrative expenses paid from the plan | $157,220 |
| Contract administrator fees | $91,541 |
| Investment advisory & management fees | $52,303 |
| Other admin expenses | $13,376 |
| Benefits paid out | $10,072,103 |
| Net assets, start / end of year | $47.3M / $46.9M |
| Active participants, start / end of year | 535 / 552 |
| Participants with account balances | 685 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Black & Pinckard LLC |
Largest service providers (Schedule C)
| Capfinancial Partners | $131,408 reported compensation |
| Principal Life Insurance Company | $91,540 reported compensation |
| Morningstar Investment Management L | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250818133424NAL0000672163001, received 2025-08-18, EIN 63-0281988, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.