RSD - Total Control 401(k) Review & Grade
Refrigeration Supplies Distributor Defined Contribution Retirement Plan & Trust
Lake Forest, CAWholesale Trade668 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,747Employer $ per active participant
$6,025Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$89.3MNet plan assets, end of year
$169,725Average balance per account
Score breakdown
- Employer generosity24.3 / 5049th percentile for employer $ per participant
- Low cost24.2 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 97th |
| Employee saving | 68th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $92,727 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- RSD - Total Control put in about $1,747 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.
- 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 | $1,166,880 |
| Participant (employee) contributions | $4,024,591 |
| Other contributions (incl. rollovers in) | $221,652 |
| Administrative expenses paid from the plan | $12,147 |
| Investment advisory & management fees | $36,897 |
| Benefits paid out | $2,764,668 |
| Net assets, start / end of year | $75.0M / $89.3M |
| Active participants, start / end of year | 623 / 713 |
| Participants with account balances | 526 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Brhe Group |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $36,897 reported compensation |
| Fidelity Investments Institutional | −$24,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009160019NAL0007260657001, received 2025-10-09, EIN 95-1262130, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.