Rumpke Consolidated Companies, Inc. 401(k) Review & Grade
Rumpke 401(k) Retirement Plan
Cincinnati, OHAdministrative, Support & Staffing Services3,580 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,590Employer $ per active participant
$4,585Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$173.3MNet plan assets, end of year
$44,943Average balance per account
Score breakdown
- Employer generosity39.9 / 5080th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 23th |
| Employee saving | 82th |
| Peers that auto-enroll | 22% |
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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
- Rumpke Consolidated Companies put in about $1,590 per active participant, more than the typical peer ($342). 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.
- 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 | $5,690,979 |
| Participant (employee) contributions | $16,410,840 |
| Other contributions (incl. rollovers in) | $672,172 |
| Administrative expenses paid from the plan | $482,002 |
| Investment advisory & management fees | $59,504 |
| Other admin expenses | $153,978 |
| Benefits paid out | $17,733,261 |
| Net assets, start / end of year | $148.7M / $173.3M |
| Active participants, start / end of year | 3,531 / 3,628 |
| Participants with account balances | 3,855 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dean Dorton Allen Ford PLLC |
Largest service providers (Schedule C)
| Pension Corporation of America | $403,810 reported compensation |
| Charles Schwab Trust Bank | $61,688 reported compensation |
| Pca Investment Advisory Services | $59,504 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250805145240NAL0001887025001, received 2025-08-05, EIN 31-1247560, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.