R.T. Moore Co. Inc. 401(k) Review & Grade
R. T. Moore Co. Inc. 401(k) Profit Sharing Plan
Indianapolis, INConstruction734 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,170Employer $ per active participant
$3,613Employee $ saved per active participant
0.44%Direct admin cost, % of plan assets
$22.4MNet plan assets, end of year
$25,674Average balance per account
Score breakdown
- Employer generosity18.4 / 5037th percentile for employer $ per participant
- Low cost6.8 / 2527th percentile for low admin cost vs. same-size plans
- Employee saving6.9 / 1546th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score39 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 27th |
| Employee saving | 46th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $551 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- R.T. Moore Co. put in about $1,170 per active participant, below the typical peer ($1,672). 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 (0.44% 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 | $858,636 |
| Participant (employee) contributions | $2,651,926 |
| Other contributions (incl. rollovers in) | $20,857 |
| Administrative expenses paid from the plan | $92,360 |
| Contract administrator fees | $75,693 |
| Investment advisory & management fees | $16,667 |
| Benefits paid out | $3,135,055 |
| Net assets, start / end of year | $19.5M / $22.4M |
| Active participants, start / end of year | 752 / 716 |
| Participants with account balances | 872 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $75,468 reported compensation |
| Shepard Financial Advisory LLC | $16,667 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930141955NAL0013357360001, received 2025-09-30, EIN 35-0964856, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.