Roxul USA Inc. 401(k) Review & Grade
Roxul USA Retirement and Savings Plan
Chicago, ILManufacturing660 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,784Employer $ per active participant
$6,920Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$70.3MNet plan assets, end of year
$81,921Average balance per account
Score breakdown
- Employer generosity40.7 / 5081th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1573th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 43th |
| Employee saving | 73th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($73,806 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Roxul USA put in about $4,784 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $3,159,517 |
| Participant (employee) contributions | $4,570,627 |
| Other contributions (incl. rollovers in) | $530,774 |
| Administrative expenses paid from the plan | $189,335 |
| Investment advisory & management fees | $125,176 |
| Benefits paid out | $12,243,554 |
| Net assets, start / end of year | $66.3M / $70.3M |
| Active participants, start / end of year | 675 / 646 |
| Participants with account balances | 858 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ac Evans |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $64,159 reported compensation |
| Empower Advisory Group, LLC | $36,822 reported compensation |
| Capital Strategies Investment Group | $32,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010113308NAL0008065921001, received 2025-10-10, EIN 99-0378111, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.