Frost Brown Todd LLP 401(k) Review & Grade
Frost Brown Todd LLP Retirement Savings Plan
Louisville, KYProfessional, Scientific & Technical Services653 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$13,294Employer $ per active participant
$10,624Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$329.9MNet plan assets, end of year
$442,286Average balance per account
Score breakdown
- Employer generosity47.8 / 5096th percentile for employer $ per participant
- Low cost21.7 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving9.6 / 1564th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 87th |
| Employee saving | 64th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,079 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Frost Brown Todd LLP put in about $13,294 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 | $8,680,876 |
| Participant (employee) contributions | $6,937,705 |
| Other contributions (incl. rollovers in) | $1,182,115 |
| Administrative expenses paid from the plan | $165,624 |
| Investment advisory & management fees | $71,779 |
| Other admin expenses | $31,471 |
| Benefits paid out | $30,555,614 |
| Net assets, start / end of year | $315.4M / $329.9M |
| Active participants, start / end of year | 645 / 661 |
| Participants with account balances | 746 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Harding, Shymanski & Company, P.S.C |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $40,074 reported compensation |
| Capital Mgmt Services Inc | $34,275 reported compensation |
| Harding Shymanski and Company P.S.C | $22,300 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013133306NAL0003016674001, received 2025-10-13, EIN 61-0722001, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.