R & E Automated Systems, LLC 401(k) Review & Grade
R & E Automated Systems, LLC 401(k) Profit Sharing Plan
Bruce Township, MIOther Services538 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$575Employer $ per active participant
$3,879Employee $ saved per active participant
0.50%Direct admin cost, % of plan assets
$25.4MNet plan assets, end of year
$70,657Average balance per account
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost5.7 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 23th |
| Employee saving | 65th |
| Peers that auto-enroll | 40% |
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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
- R & E Automated Systems put in about $575 per active participant, below the typical peer ($1,257). 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 (0.50% 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 | $308,991 |
| Participant (employee) contributions | $2,085,176 |
| Other contributions (incl. rollovers in) | $383,576 |
| Administrative expenses paid from the plan | $117,073 |
| Investment advisory & management fees | $60,662 |
| Other admin expenses | $8,650 |
| Benefits paid out | $1,628,246 |
| Net assets, start / end of year | $21.3M / $25.4M |
| Active participants, start / end of year | 541 / 534 |
| Participants with account balances | 359 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Fenner, Melstrom & Dooling, PLC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $47,761 reported compensation |
| Gallagher Benefit Services Inc DBA | $20,904 reported compensation |
| Northwestern Mutual Investment Svcs | $20,829 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925094156NAL0010308403001, received 2025-09-25, EIN 35-2270088, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.