Radial Holdings, L.P. 401(k) Review & Grade
Radial Retirement Savings Plan
King of Prussia, PARetail Trade4,019 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$807Employer $ per active participant
$1,794Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$125.2MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity28.8 / 5058th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 51th |
| Employee saving | 44th |
| Peers that auto-enroll | 42% |
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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
- Radial Holdings, L.P. put in about $807 per active participant, more than the typical peer ($650). 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.
- 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.
- 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 | $3,242,332 |
| Participant (employee) contributions | $7,209,729 |
| Other contributions (incl. rollovers in) | $1,409,521 |
| Administrative expenses paid from the plan | $142,533 |
| Investment advisory & management fees | $44,240 |
| Benefits paid out | $15,959,686 |
| Net assets, start / end of year | $112.3M / $125.2M |
| Active participants, start / end of year | 4,596 / 3,442 |
| Participants with account balances | 1,624 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Frazier & Deeter, LLC |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $142,533 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013121510NAL0002738962001, received 2025-10-13, EIN 47-5178464, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.