Imperial, LLC 401(k) Review & Grade
Imperial, LLC Retirement Savings Plan
Tulsa, OKRetail Trade625 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$946Employer $ per active participant
$2,317Employee $ saved per active participant
1.00%Direct admin cost, % of plan assets
$14.9MNet plan assets, end of year
$21,535Average balance per account
Score breakdown
- Employer generosity29.5 / 5059th percentile for employer $ per participant
- Low cost1.6 / 256th percentile for low admin cost vs. same-size plans
- Employee saving5.8 / 1539th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 6th |
| Employee saving | 39th |
| Peers that auto-enroll | 48% |
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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
- Imperial put in about $946 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.
- Direct plan expenses (1.00% 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 | $591,170 |
| Participant (employee) contributions | $1,447,889 |
| Other contributions (incl. rollovers in) | $2,000 |
| Administrative expenses paid from the plan | $136,826 |
| Contract administrator fees | $73,219 |
| Investment advisory & management fees | $35,957 |
| Benefits paid out | $775,064 |
| Net assets, start / end of year | $12.4M / $14.9M |
| Active participants, start / end of year | 621 / 629 |
| Participants with account balances | 694 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Heatherington & Fields |
Largest service providers (Schedule C)
| Transamerica Life Insurance Company | $73,669 reported compensation |
| Edward D Jones & Company | $33,246 reported compensation |
| Usi Consulting Group | $24,878 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010153117NAL0007952097001, received 2025-10-10, EIN 73-1310190, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.