RTS Holdings, LLC 401(k) Review & Grade
RTS Holdings, LLC 401(k) Retirement Plan
Randolph, MATransportation & Warehousing959 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$852Employer $ per active participant
$2,599Employee $ saved per active participant
0.76%Direct admin cost, % of plan assets
$18.5MNet plan assets, end of year
$13,016Average balance per account
Score breakdown
- Employer generosity21.6 / 5043th percentile for employer $ per participant
- Low cost2.8 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 43th |
| Lower admin cost | 11th |
| Employee saving | 43th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $7,853 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- RTS Holdings put in about $852 per active participant, below the typical peer ($1,070). 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 (0.76% of assets) are well above similar-size plans (0.23%). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $817,054 |
| Participant (employee) contributions | $2,492,461 |
| Other contributions (incl. rollovers in) | $269,318 |
| Administrative expenses paid from the plan | $125,165 |
| Contract administrator fees | $125,165 |
| Benefits paid out | $1,235,983 |
| Net assets, start / end of year | $14.5M / $18.5M |
| Active participants, start / end of year | 938 / 980 |
| Participants with account balances | 1,418 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron & Bletzer PLLC |
Largest service providers (Schedule C)
| Ascensus LLC | $125,165 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008145426NAL0006025345001, received 2025-10-08, EIN 46-1578437, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.