RSG Forest Products Inc. 401(k) Review & Grade
RSG Forest Products Inc 401(k) Plan
Kalama, WAManufacturing611 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,145Employer $ per active participant
$2,580Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$21.6MNet plan assets, end of year
$60,389Average balance per account
Score breakdown
- Employer generosity10.3 / 5021th percentile for employer $ per participant
- Low cost6.5 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving2.7 / 1518th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | 26th |
| Employee saving | 18th |
| Peers that auto-enroll | 59% |
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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 ($46,432 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- RSG Forest Products put in about $1,145 per active participant, below the typical peer ($2,320). 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.
- Direct plan expenses (0.46% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $699,381 |
| Participant (employee) contributions | $1,576,283 |
| Other contributions (incl. rollovers in) | $4,165 |
| Administrative expenses paid from the plan | $87,415 |
| Contract administrator fees | $26,778 |
| Investment advisory & management fees | $60,637 |
| Benefits paid out | $1,902,594 |
| Net assets, start / end of year | $16.6M / $21.6M |
| Active participants, start / end of year | 611 / 611 |
| Participants with account balances | 358 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Aprio, LLP |
Largest service providers (Schedule C)
| Human Investing, LLC | $37,874 reported compensation |
| Definiti, LLC | $26,777 reported compensation |
| Sloy Dahl & Holst | $22,763 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260714114758NAL0001889728001, received 2026-07-14, EIN 91-0908359, plan #002, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.