Ramboll Limited 401(k) Review & Grade
Ramboll US Retirement & Savings Plan
Syracuse, NYProfessional, Scientific & Technical Services2,014 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,552Employer $ per active participant
$11,494Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$659.1MNet plan assets, end of year
$216,734Average balance per account
Score breakdown
- Employer generosity38.6 / 5077th percentile for employer $ per participant
- Low cost20.9 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving10.5 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 84th |
| Employee saving | 70th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $865 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ramboll Limited put in about $5,552 per active participant, more than the typical peer ($3,082). 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.
- 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 | $11,182,349 |
| Participant (employee) contributions | $23,149,652 |
| Other contributions (incl. rollovers in) | $6,388,341 |
| Administrative expenses paid from the plan | $393,203 |
| Investment advisory & management fees | $70,276 |
| Other admin expenses | $47,650 |
| Benefits paid out | $66,020,707 |
| Net assets, start / end of year | $602.9M / $659.1M |
| Active participants, start / end of year | 1,989 / 2,039 |
| Participants with account balances | 3,041 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo USA, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $181,302 reported compensation |
| Gallagher Benefit Services Inc DBA | $70,276 reported compensation |
| Jones Day | $37,320 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006122114NAL0006426816001, received 2025-10-06, EIN 52-1248616, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.