R.L. Young, LLC 401(k) Review & Grade
Young & Associates 401(k) Plan
Des Peres, MOProfessional, Scientific & Technical Services612 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,891Employer $ per active participant
$6,881Employee $ saved per active participant
0.27%Direct admin cost, % of plan assets
$26.2MNet plan assets, end of year
$45,226Average balance per account
Score breakdown
- Employer generosity23.4 / 5047th percentile for employer $ per participant
- Low cost11.2 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 45th |
| Employee saving | 35th |
| 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
- R.L. Young put in about $2,891 per active participant, below the typical peer ($3,082). 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $1,769,196 |
| Participant (employee) contributions | $4,211,002 |
| Other contributions (incl. rollovers in) | $2,089,885 |
| Administrative expenses paid from the plan | $51,587 |
| Investment advisory & management fees | $12,372 |
| Other admin expenses | $34,632 |
| Benefits paid out | $1,957,124 |
| Net assets, start / end of year | $12.4M / $26.2M |
| Active participants, start / end of year | 500 / 724 |
| Participants with account balances | 579 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Creative Planning | $34,632 reported compensation |
| Strategic Advisors, Inc. | $12,372 reported compensation |
| Fidelity Investments Institutional | $4,583 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009100841NAL0006416593001, received 2025-10-09, EIN 46-1989547, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.