RCH Fruit Co., Inc. 401(k) Review & Grade
Roche Fruit Co., Inc. 401k Plan
Yakima, WAAgriculture, Forestry, Fishing & Hunting702 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$714Employer $ per active participant
$882Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$14.0MNet plan assets, end of year
$38,875Average balance per account
Score breakdown
- Employer generosity23.5 / 5047th percentile for employer $ per participant
- Low cost23.1 / 2592th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Agriculture, Forestry, Fishing & Hunting plans with 500–2,499 active participants (118 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 92th |
| Employee saving | 21th |
| Peers that auto-enroll | 36% |
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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
- RCH Fruit Co. put in about $714 per active participant, below the typical peer ($774). 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.
- 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 | $501,176 |
| Participant (employee) contributions | $618,978 |
| Other contributions (incl. rollovers in) | $163,563 |
| Administrative expenses paid from the plan | $4,285 |
| Other admin expenses | $4,285 |
| Benefits paid out | $1,891,936 |
| Net assets, start / end of year | $13.1M / $14.0M |
| Active participants, start / end of year | 681 / 723 |
| Participants with account balances | 361 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Alegria & Company P.S. |
Largest service providers (Schedule C)
| Michael Grimme | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260114121556NAL0030102882001, received 2026-01-14, EIN 91-0671232, plan #003, plan year 2024-06-01 to 2025-05-31. Verify at efast.dol.gov.