Rever Grand, Inc. 401(k) Review & Grade
Rever Grand, Inc. 401(k) Profit Sharing Plan and Trust
Grants Pass, OROther Services2,380 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,154Employer $ per active participant
$2,135Employee $ saved per active participant
1.96%Direct admin cost, % of plan assets
$19.7MNet plan assets, end of year
$7,848Average balance per account
Score breakdown
- Employer generosity23.5 / 5047th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1542th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-3 pts1 issue reported on the filing
Total score27 / 100 · Grade F
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 1th |
| Employee saving | 42th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $12,307 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rever Grand put in about $1,154 per active participant, below the typical peer ($1,257). 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.
- Direct plan expenses (1.96% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,746,749 |
| Participant (employee) contributions | $5,081,475 |
| Other contributions (incl. rollovers in) | $14,141 |
| Administrative expenses paid from the plan | $315,536 |
| Contract administrator fees | $315,536 |
| Benefits paid out | $2,597,041 |
| Net assets, start / end of year | $12.6M / $19.7M |
| Active participants, start / end of year | 2,713 / 2,048 |
| Participants with account balances | 2,506 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Dougall Conradie LLC |
Largest service providers (Schedule C)
| PCS Retirement, LLC | $156,500 reported compensation |
| Northwestern Mutual Wealth MGT. Co | $13,314 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260901155709NAL0008637920001, received 2026-09-01, EIN 81-3727606, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.