Investco L.L.C 401(k) Review & Grade
Rainier Trust 401(k) Retirement Plan
Sumner, WAReal Estate & Rental812 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,904Employer $ per active participant
$5,070Employee $ saved per active participant
0.42%Direct admin cost, % of plan assets
$52.5MNet plan assets, end of year
$48,918Average balance per account
Score breakdown
- Employer generosity33.4 / 5067th percentile for employer $ per participant
- Low cost7.3 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 29th |
| Employee saving | 68th |
| Peers that auto-enroll | 47% |
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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
- Investco put in about $1,904 per active participant, more than the typical peer ($1,279). 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 (0.42% 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 | $1,547,329 |
| Participant (employee) contributions | $4,119,728 |
| Other contributions (incl. rollovers in) | $758,634 |
| Administrative expenses paid from the plan | $198,834 |
| Investment advisory & management fees | $88,630 |
| Benefits paid out | $4,144,865 |
| Net assets, start / end of year | $43.0M / $52.5M |
| Active participants, start / end of year | 783 / 842 |
| Participants with account balances | 1,073 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $94,044 reported compensation |
| NFP Retirement Inc | $67,006 reported compensation |
| Strategic Advisors, Inc. | $21,624 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250828170425NAL0010499345001, received 2025-08-28, EIN 84-3870453, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.