Holliday Rock Co., Inc. 401(k) Review & Grade
Holliday Rock Co., Inc. 401(k) Profit Sharing Plan
Upland, CATransportation & Warehousing823 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,070Employer $ per active participant
$2,910Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$34.9MNet plan assets, end of year
$72,473Average balance per account
Score breakdown
- Employer generosity36.3 / 5073th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving7.1 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 42th |
| Employee saving | 48th |
| Peers that auto-enroll | 37% |
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
Corrective distributions: the plan refunded $2,638 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Holliday Rock Co. put in about $2,070 per active participant, more than the typical peer ($1,070). 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 | $1,703,341 |
| Participant (employee) contributions | $2,395,166 |
| Other contributions (incl. rollovers in) | $190,005 |
| Administrative expenses paid from the plan | $89,457 |
| Investment advisory & management fees | $89,457 |
| Benefits paid out | $781,038 |
| Net assets, start / end of year | $27.5M / $34.9M |
| Active participants, start / end of year | 815 / 831 |
| Participants with account balances | 481 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rogers, Clem & Company |
Largest service providers (Schedule C)
| Accelerate Investment Advisors LLC | $51,884 reported compensation |
| Capital Group Retirement Plan SVS | $38,865 reported compensation |
| National Pension Services Corp | $3,200 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003100551NAL0001223777001, received 2025-10-03, EIN 95-2105161, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.