Carr, Riggs & Ingram Capital, LLC 401(k) Review & Grade
Carr, Riggs & Ingram Capital, LLC 401(k) Plan & Trust
Enterprise, ALProfessional, Scientific & Technical Services2,380 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,508Employer $ per active participant
$7,724Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$389.3MNet plan assets, end of year
$140,046Average balance per account
Score breakdown
- Employer generosity34.8 / 5070th percentile for employer $ per participant
- Low cost22.0 / 2588th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1540th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score66 / 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 | 70th |
| Lower admin cost | 88th |
| Employee saving | 40th |
| Peers that auto-enroll | 48% |
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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
- Carr, Riggs & Ingram Capital put in about $4,508 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 | $10,728,471 |
| Participant (employee) contributions | $18,383,155 |
| Other contributions (incl. rollovers in) | $19,128,141 |
| Administrative expenses paid from the plan | $171,281 |
| Contract administrator fees | $159,093 |
| Investment advisory & management fees | $12,188 |
| Benefits paid out | $29,503,903 |
| Net assets, start / end of year | $328.2M / $389.3M |
| Active participants, start / end of year | 2,234 / 2,526 |
| Participants with account balances | 2,780 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Burkett, Burkett & Burkett |
Largest service providers (Schedule C)
| John Hancock | $171,281 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260714095042NAL0000883955001, received 2026-07-14, EIN 46-1688198, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.