Robinson, Inc. 401(k) Review & Grade
Robinson 401(k) Profit Sharing Plan
Depere, WIConstruction658 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,919Employer $ per active participant
$4,929Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$45.2MNet plan assets, end of year
$50,423Average balance per account
Score breakdown
- Employer generosity28.6 / 5057th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 28th |
| Employee saving | 63th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,278 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Robinson put in about $1,919 per active participant, more than the typical peer ($1,672). 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.
- Direct plan expenses (0.43% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,263,443 |
| Participant (employee) contributions | $3,245,655 |
| Other contributions (incl. rollovers in) | $848,233 |
| Administrative expenses paid from the plan | $177,477 |
| Investment advisory & management fees | $99,373 |
| Benefits paid out | $2,696,128 |
| Net assets, start / end of year | $37.7M / $45.2M |
| Active participants, start / end of year | 575 / 742 |
| Participants with account balances | 896 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Ubs Financial Services | $99,373 reported compensation |
| Oneamerica Retirement Services LLC | $78,104 reported compensation |
| Matrix Trust Company | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260326123426NAL0007544274001, received 2026-03-26, EIN 39-1212475, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.