Jaj Roofing DBA Citadel Roofing and Solar 401(k) Review & Grade
Citadel Roofing and Solar 401(k) Plan
Vacaville, CAConstruction804 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$560Employer $ per active participant
$1,514Employee $ saved per active participant
0.74%Direct admin cost, % of plan assets
$9.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.9 / 5018th percentile for employer $ per participant
- Low cost3.0 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score14 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 12th |
| Employee saving | 15th |
| Peers that auto-enroll | 44% |
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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
- Jaj Roofing DBA Citadel Roofing and Solar put in about $560 per active participant, below the typical peer ($1,672). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.74% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $450,703 |
| Participant (employee) contributions | $1,218,333 |
| Other contributions (incl. rollovers in) | $373,673 |
| Administrative expenses paid from the plan | $60,351 |
| Investment advisory & management fees | $34,740 |
| Benefits paid out | $356,948 |
| Net assets, start / end of year | $6.9M / $9.5M |
| Active participants, start / end of year | 754 / 855 |
| Participants with account balances | 158 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bfba LLP |
Largest service providers (Schedule C)
| Golden Gate Retirement | $2,160 reported compensation |
| John Hancock Life Insurance Co | $1,378 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015153055NAL0004996129001, received 2025-10-15, EIN 47-3949736, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.