Frontline Road Safety LLC 401(k) Review & Grade
Frontline Road Safety 401(k) Plan
Denver, COConstruction1,112 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,673Employer $ per active participant
$3,398Employee $ saved per active participant
0.49%Direct admin cost, % of plan assets
$57.4MNet plan assets, end of year
$64,810Average balance per account
Score breakdown
- Employer generosity25.1 / 5050th percentile for employer $ per participant
- Low cost5.9 / 2524th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 24th |
| Employee saving | 42th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $15,190 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Frontline Road Safety put in about $1,673 per active participant, more than the typical peer ($1,672). 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 (0.49% 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.
- 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 | $1,859,397 |
| Participant (employee) contributions | $3,776,719 |
| Other contributions (incl. rollovers in) | $820,586 |
| Administrative expenses paid from the plan | $249,375 |
| Contract administrator fees | $117,764 |
| Investment advisory & management fees | $131,611 |
| Benefits paid out | $5,852,822 |
| Net assets, start / end of year | $44.0M / $57.4M |
| Active participants, start / end of year | 977 / 1,246 |
| Participants with account balances | 886 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Alliant Retirement Services | $126,897 reported compensation |
| John Hancock Retirement Plan Svcs | $122,477 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015101111NAL0002221171001, received 2025-10-15, EIN 86-3333948, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.