RS Americas, Inc. 401(k) Review & Grade
RS Americas, Inc. 401(k)
Fort Worth, TXRetail Trade927 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,143Employer $ per active participant
$6,470Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$110.4MNet plan assets, end of year
$102,594Average balance per account
Score breakdown
- Employer generosity48.8 / 5098th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 79th |
| Employee saving | 94th |
| Peers that auto-enroll | 48% |
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
- RS Americas put in about $4,143 per active participant, more than the typical peer ($743). 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.
- 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 | $3,840,106 |
| Participant (employee) contributions | $5,997,559 |
| Other contributions (incl. rollovers in) | $311,795 |
| Administrative expenses paid from the plan | $84,560 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $92,343 |
| Benefits paid out | $14,044,957 |
| Net assets, start / end of year | $98.7M / $110.4M |
| Active participants, start / end of year | 943 / 911 |
| Participants with account balances | 1,076 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Whitley Penn LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $56,099 reported compensation |
| Gallagher Fiduciary Advisors, LLC | $36,244 reported compensation |
| Fidelity Investments Institutional | −$7,783 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923162927NAL0009490514001, received 2025-09-23, EIN 75-2110357, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.