Rehrig Pacific Company 401(k) Review & Grade
Rehrig Pacific Company Retirement Plan
Los Angeles, CAManufacturing1,750 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,147Employer $ per active participant
$4,700Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$171.1MNet plan assets, end of year
$61,579Average balance per account
Score breakdown
- Employer generosity38.2 / 5076th percentile for employer $ per participant
- Low cost22.3 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 89th |
| Employee saving | 47th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Rehrig Pacific put in about $4,147 per active participant, more than the typical peer ($2,320). 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 | $7,255,494 |
| Participant (employee) contributions | $8,221,952 |
| Other contributions (incl. rollovers in) | $1,197,473 |
| Administrative expenses paid from the plan | $68,383 |
| Investment advisory & management fees | $37,620 |
| Benefits paid out | $10,671,509 |
| Net assets, start / end of year | $140.3M / $171.1M |
| Active participants, start / end of year | 1,568 / 1,931 |
| Participants with account balances | 2,779 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $37,620 reported compensation |
| Fidelity Investments Institutional | $30,763 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010195836NAL0004893523001, received 2025-10-10, EIN 95-4608797, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.