Rsa Security LLC 401(k) Review & Grade
Rsa Security 401(k) Plan
Burlington, MAWholesale Trade512 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,811Employer $ per active participant
$14,709Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$174.7MNet plan assets, end of year
$221,418Average balance per account
Score breakdown
- Employer generosity45.7 / 5091th percentile for employer $ per participant
- Low cost21.0 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 91th |
| Lower admin cost | 84th |
| Employee saving | 99th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,057 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rsa Security put in about $5,811 per active participant, more than the typical peer ($1,792). 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 | $2,975,013 |
| Participant (employee) contributions | $7,531,176 |
| Other contributions (incl. rollovers in) | $1,350,158 |
| Administrative expenses paid from the plan | $119,043 |
| Investment advisory & management fees | $52,144 |
| Benefits paid out | $20,135,430 |
| Net assets, start / end of year | $213.8M / $174.7M |
| Active participants, start / end of year | 517 / 507 |
| Participants with account balances | 789 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $62,399 reported compensation |
| Creative Planning, LLC | $52,144 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251024101143NAL0002685027001, received 2025-10-24, EIN 27-1496036, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.