Rush Enterprises, Inc. 401(k) Review & Grade
Rush Enterprises, Inc. Employee 401(k) Plan
New Braunfels, TXTransportation & Warehousing7,438 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,834Employer $ per active participant
$6,304Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$548.3MNet plan assets, end of year
$64,442Average balance per account
Score breakdown
- Employer generosity25.0 / 5050th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1575th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 43th |
| Employee saving | 75th |
| Peers that auto-enroll | 46% |
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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
- Rush Enterprises put in about $1,834 per active participant, more than the typical peer ($1,834). 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 | $13,643,689 |
| Participant (employee) contributions | $46,892,658 |
| Other contributions (incl. rollovers in) | $5,003,092 |
| Administrative expenses paid from the plan | $775,663 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $170,063 |
| Other admin expenses | $22,500 |
| Benefits paid out | $64,057,655 |
| Net assets, start / end of year | $484.4M / $548.3M |
| Active participants, start / end of year | 7,608 / 7,268 |
| Participants with account balances | 8,508 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $556,850 reported compensation |
| Strategic Advisors, Inc. | $170,063 reported compensation |
| Forvis, LLP | $26,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013115410NAL0002671858001, received 2025-10-13, EIN 74-2786267, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.