Renewable Energy Systems Americas Inc. 401(k) Review & Grade
Renewable Energy Systems Americas Inc. 401(k) Plan
Denver, COConstruction1,260 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,792Employer $ per active participant
$5,938Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$85.3MNet plan assets, end of year
$74,931Average balance per account
Score breakdown
- Employer generosity41.6 / 5083th percentile for employer $ per participant
- Low cost17.4 / 2570th percentile for low admin cost vs. same-size plans
- Employee saving11.1 / 1574th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 70th |
| Employee saving | 74th |
| Peers that auto-enroll | 44% |
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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
- Renewable Energy Systems Americas put in about $3,792 per active participant, more than the typical peer ($1,672). 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 | $4,777,466 |
| Participant (employee) contributions | $7,481,302 |
| Other contributions (incl. rollovers in) | $1,449,968 |
| Administrative expenses paid from the plan | $92,742 |
| Benefits paid out | $9,622,960 |
| Net assets, start / end of year | $70.9M / $85.3M |
| Active participants, start / end of year | 1,220 / 1,300 |
| Participants with account balances | 1,138 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | K Financial, Inc. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $93,020 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015205158NAL0002879603001, received 2025-10-15, EIN 95-4683730, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.