Rouse's Enterprises, L.L.C. 401(k) Review & Grade
Rouse's Enterprises, L.L.C. Profit Sharing & 401(k) Plan
Schriever, LARetail Trade3,726 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$159Employer $ per active participant
$667Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$35.0MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.2 / 5010th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving1.4 / 159th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score12 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 10th |
| Lower admin cost | 23th |
| Employee saving | 9th |
| Peers that auto-enroll | 42% |
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 $86,828 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rouse's Enterprises put in about $159 per active participant, below the typical peer ($650). 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 (0.30% of assets) are well above similar-size plans (0.12%). 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 | $592,588 |
| Participant (employee) contributions | $2,484,554 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $99,463 |
| Benefits paid out | $4,147,264 |
| Net assets, start / end of year | $32.0M / $35.0M |
| Active participants, start / end of year | 3,643 / 3,810 |
| Participants with account balances | 1,708 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | T.S. Kearns & Co., CPA, PC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $69,696 reported compensation |
| Regions Bank DBA Regions Trust | $29,767 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929121506NAL0017831106001, received 2025-09-29, EIN 72-0799611, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.