Ring's End, Incorporated 401(k) Review & Grade
Ring's End, Incorporated Profit-Sharing Plan
Darien, CTRetail Trade654 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,505Employer $ per active participant
$4,792Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$122.9MNet plan assets, end of year
$155,613Average balance per account
Score breakdown
- Employer generosity49.6 / 5099th percentile for employer $ per participant
- Low cost17.9 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score89 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 71th |
| Employee saving | 79th |
| Peers that auto-enroll | 48% |
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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
- Ring's End, Incorporated put in about $5,505 per active participant, more than the typical peer ($743). 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 | $3,600,000 |
| Participant (employee) contributions | $3,134,208 |
| Other contributions (incl. rollovers in) | $313,469 |
| Administrative expenses paid from the plan | $131,271 |
| Other admin expenses | $131,271 |
| Benefits paid out | $10,402,600 |
| Net assets, start / end of year | $113.4M / $122.9M |
| Active participants, start / end of year | 650 / 658 |
| Participants with account balances | 790 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mahoney Sabol & Co.llp |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $83,208 reported compensation |
| Vanguard Advisers Inc. | $52,413 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260626082528NAL0016239314001, received 2026-06-26, EIN 06-0510770, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.