Rosen's Diversified, Inc. 401(k) Review & Grade
Rosen's Diversified 401(k) Retirement Plan
Eagan, MNManufacturing3,682 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,706Employer $ per active participant
$3,819Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$209.7MNet plan assets, end of year
$80,188Average balance per account
Score breakdown
- Employer generosity11.1 / 5022th percentile for employer $ per participant
- Low cost9.9 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1523th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 39th |
| Employee saving | 23th |
| Peers that auto-enroll | 70% |
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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Rosen's Diversified put in about $1,706 per active participant, below the typical peer ($3,452). 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 | $6,278,845 |
| Participant (employee) contributions | $14,059,566 |
| Other contributions (incl. rollovers in) | $3,156,912 |
| Administrative expenses paid from the plan | $346,205 |
| Contract administrator fees | $277,805 |
| Investment advisory & management fees | $45,000 |
| Benefits paid out | $21,620,043 |
| Net assets, start / end of year | $188.2M / $209.7M |
| Active participants, start / end of year | 3,671 / 3,692 |
| Participants with account balances | 2,615 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $277,805 reported compensation |
| Sageview Advisory Group | $45,000 reported compensation |
| Eide Bailly LLP | $23,400 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925131205NAL0012216706001, received 2025-09-25, EIN 41-1224625, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.