Rubinbrown LLP 401(k) Review & Grade
Rubinbrown LLP 401(k) Profit Sharing Plan and Trust
ST Louis, MOProfessional, Scientific & Technical Services978 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,055Employer $ per active participant
$9,764Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$204.2MNet plan assets, end of year
$199,247Average balance per account
Score breakdown
- Employer generosity37.0 / 5074th percentile for employer $ per participant
- Low cost24.7 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 99th |
| Employee saving | 57th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Rubinbrown LLP put in about $5,055 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.
- 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 | $4,941,197 |
| Participant (employee) contributions | $9,544,418 |
| Other contributions (incl. rollovers in) | $3,822,127 |
| Administrative expenses paid from the plan | $8,092 |
| Investment advisory & management fees | $50,770 |
| Benefits paid out | $13,071,576 |
| Net assets, start / end of year | $177.4M / $204.2M |
| Active participants, start / end of year | 957 / 998 |
| Participants with account balances | 1,025 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Katz Sapper & Miller, LLP |
Largest service providers (Schedule C)
| Enterprise Bank & Trust | $50,770 reported compensation |
| Fidelity Investments Institutional | −$42,678 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260319112133NAL0003351187001, received 2026-03-19, EIN 43-0765316, plan #002, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.