Roadteam Staffing, Inc. 401(k) Review & Grade
Roadteam Staffing, Inc. 401(k) Plan
Russellville, ARAgriculture, Forestry, Fishing & Hunting650 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$177Employer $ per active participant
$904Employee $ saved per active participant
1.10%Direct admin cost, % of plan assets
$2.9MNet plan assets, end of year
$8,407Average balance per account
Score breakdown
- Employer generosity3.8 / 508th percentile for employer $ per participant
- Low cost1.3 / 255th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-8 pts2 issues reported on the filing
Total score0 / 100 · Grade F
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 5th |
| Employee saving | 22th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No fidelity bond: the plan reported it was not covered by a fidelity bond, which protects participants against theft.
Corrective distributions: the plan refunded $60,442 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Roadteam Staffing put in about $177 per active participant, below the typical peer ($774). 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 (1.10% 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 | $115,099 |
| Participant (employee) contributions | $587,649 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $28,169 |
| Benefits paid out | $326,980 |
| Net assets, start / end of year | $2.2M / $2.9M |
| Active participants, start / end of year | 814 / 486 |
| Participants with account balances | 341 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Trustpoint, LLP |
Largest service providers (Schedule C)
| Axa Equitable Life Insurance Co | $28,169 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015151735NAL0002654643001, received 2025-10-15, EIN 90-1036909, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.