Rs&h, Inc. 401(k) Review & Grade
Rs&h, Inc. 401(k)plan
Jacksonville, FLProfessional, Scientific & Technical Services1,602 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,120Employer $ per active participant
$11,331Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$296.4MNet plan assets, end of year
$127,669Average balance per account
Score breakdown
- Employer generosity25.3 / 5051th percentile for employer $ per participant
- Low cost14.5 / 2558th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 58th |
| Employee saving | 69th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,200 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rs&h put in about $3,120 per active participant, more than the typical peer ($3,082). 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 | $4,999,931 |
| Participant (employee) contributions | $18,157,838 |
| Other contributions (incl. rollovers in) | $4,721,447 |
| Administrative expenses paid from the plan | $491,560 |
| Contract administrator fees | $41,019 |
| Investment advisory & management fees | $426,016 |
| Benefits paid out | $20,684,810 |
| Net assets, start / end of year | $252.3M / $296.4M |
| Active participants, start / end of year | 1,503 / 1,702 |
| Participants with account balances | 2,322 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
| Employer stock held by plan | $30,150,060 |
Largest service providers (Schedule C)
| John Hancock | $355,438 reported compensation |
| Smith, Gambrell & Russell, LLP | $60,890 reported compensation |
| Capfinancial Partners, LLC | $30,706 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923175901NAL0007720336001, received 2025-09-23, EIN 59-2986466, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.