RJ Van Drunen & Sons, Inc. 401(k) Review & Grade
Van Drunen Farms 401(k) Retirement and Savings Plan & Trust
Momence, ILManufacturing790 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,760Employer $ per active participant
$5,237Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$77.6MNet plan assets, end of year
$111,844Average balance per account
Score breakdown
- Employer generosity29.6 / 5059th percentile for employer $ per participant
- Low cost15.2 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 61th |
| Employee saving | 55th |
| 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
- RJ Van Drunen & Sons put in about $2,760 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.
- 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 | $2,180,159 |
| Participant (employee) contributions | $4,137,587 |
| Other contributions (incl. rollovers in) | $131,246 |
| Administrative expenses paid from the plan | $117,578 |
| Contract administrator fees | $300 |
| Other admin expenses | $22,500 |
| Benefits paid out | $5,475,394 |
| Net assets, start / end of year | $67.8M / $77.6M |
| Active participants, start / end of year | 749 / 831 |
| Participants with account balances | 694 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante and Moran, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $72,578 reported compensation |
| Plante & Moran, PLLC | $22,500 reported compensation |
| Fiducient Advisors | $22,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923123208NAL0009176146001, received 2025-09-23, EIN 36-2902868, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.