Roseburg Forest Products Co. 401(k) Review & Grade
Roseburg Forest Products Co. 401(k) Plan
Springfield, ORManufacturing1,450 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,391Employer $ per active participant
$8,233Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$223.8MNet plan assets, end of year
$111,220Average balance per account
Score breakdown
- Employer generosity44.7 / 5089th percentile for employer $ per participant
- Low cost15.6 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 62th |
| Employee saving | 82th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $16,938 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Roseburg Forest Products put in about $6,391 per active participant, more than the typical peer ($2,320). 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.
- 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.
- 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 | $9,270,473 |
| Participant (employee) contributions | $11,942,628 |
| Other contributions (incl. rollovers in) | $2,539,259 |
| Administrative expenses paid from the plan | $336,422 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $71,567 |
| Other admin expenses | $33,000 |
| Benefits paid out | $35,516,308 |
| Net assets, start / end of year | $208.6M / $223.8M |
| Active participants, start / end of year | 1,403 / 1,498 |
| Participants with account balances | 2,012 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $213,350 reported compensation |
| Strategic Advisors, Inc. | $71,567 reported compensation |
| North Pier Fiduciary Management, L | $33,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003185906NAL0001679121001, received 2025-10-03, EIN 93-1240670, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.