RS Integrated Supply US 401(k) Review & Grade
RS Integrated Supply US Inc. 401k Plan
Radnor, PAWholesale Trade514 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,214Employer $ per active participant
$4,807Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$33.1MNet plan assets, end of year
$77,597Average balance per account
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost16.1 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score20 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 65th |
| Employee saving | 52th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($396,247 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $7,874 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- RS Integrated Supply US put in about $1,214 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $624,696 |
| Participant (employee) contributions | $2,473,382 |
| Other contributions (incl. rollovers in) | $437,451 |
| Administrative expenses paid from the plan | $45,758 |
| Investment advisory & management fees | $31,899 |
| Benefits paid out | $6,839,545 |
| Net assets, start / end of year | $31.1M / $33.1M |
| Active participants, start / end of year | 488 / 541 |
| Participants with account balances | 426 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $31,899 reported compensation |
| Fidelity Investments Institutional | $13,859 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251202094554NAL0011894865001, received 2025-12-02, EIN 23-2868721, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.