Rockler Companies, Inc. 401(k) Review & Grade
Rockler Companies, Inc. 401(k) and Profit Sharing Plan
Medina, MNRetail Trade692 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$764Employer $ per active participant
$2,055Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$31.9MNet plan assets, end of year
$82,128Average balance per account
Score breakdown
- Employer generosity25.5 / 5051th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1535th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 51th |
| Lower admin cost | 55th |
| Employee saving | 35th |
| 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
- Rockler Companies put in about $764 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.
- 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 | $528,461 |
| Participant (employee) contributions | $1,420,899 |
| Other contributions (incl. rollovers in) | $542,005 |
| Administrative expenses paid from the plan | $62,015 |
| Investment advisory & management fees | $27,759 |
| Benefits paid out | $5,938,484 |
| Net assets, start / end of year | $31.1M / $31.9M |
| Active participants, start / end of year | 717 / 666 |
| Participants with account balances | 389 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Boulay Pllp |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $34,256 reported compensation |
| Alerus Retirement Solution | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007164608NAL0004868913001, received 2025-10-07, EIN 41-0758047, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.