Roots Opco LLC 401(k) Review & Grade
Roots Natural Kitchen 401(k) Plan
Charlottesville, VAAccommodation & Food Services626 active participantsPlan year 2024
Estimate from the plan's Form 5500-SF filing · How we grade
$9Employer $ per active participant
$100Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$299,019Net plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity4.2 / 508th percentile for employer $ per participant
- Low cost16.5 / 2566th percentile for low admin cost vs. same-size plans
- Employee saving0.6 / 154th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 8th |
| Lower admin cost | 66th |
| Employee saving | 4th |
| Peers that auto-enroll | 17% |
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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
- Roots Opco put in about $9 per active participant, below the typical peer ($266). 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.
- 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 | $5,709 |
| Participant (employee) contributions | $62,846 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $350 |
| Benefits paid out | $23,565 |
| Net assets, start / end of year | $218,056 / $299,019 |
| Active participants, start / end of year | 516 / 735 |
| Participants with account balances | 11 |
| Auto-enrollment (feature code 2S) | Not reported |
Source: DOL EFAST2 Form 5500-SF filing, acknowledgment ID 20250910133058NAL0013197379001, received 2025-09-10, EIN 93-4737308, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.