R&t One, Inc. (DBA Irresistible Foods Group) 401(k) Review & Grade
King's Hawaiian 401(k) Plan
Gardena, CAManufacturing1,558 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,024Employer $ per active participant
$4,878Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$80.4MNet plan assets, end of year
$42,863Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 47th |
| Employee saving | 49th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($255,950 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $39,560 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- R&t One, Inc. (DBA Irresistible Foods Group) put in about $2,024 per active participant, below the typical peer ($2,320). 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.
- 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,151,852 |
| Participant (employee) contributions | $7,596,865 |
| Other contributions (incl. rollovers in) | $524,710 |
| Administrative expenses paid from the plan | $190,162 |
| Benefits paid out | $7,969,834 |
| Net assets, start / end of year | $69.2M / $80.4M |
| Active participants, start / end of year | 1,562 / 1,553 |
| Participants with account balances | 1,875 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withum |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $190,162 reported compensation |
| NFP Retirement Inc | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014131304NAL0002997441001, received 2025-10-14, EIN 85-4229454, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.