Rockline Industries, Inc. 401(k) Review & Grade
Rockline Industries, Inc. Retirement Savings Plan
Sheboygan, WIManufacturing2,382 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,239Employer $ per active participant
$3,587Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$159.3MNet plan assets, end of year
$95,815Average balance per account
Score breakdown
- Employer generosity11.9 / 5024th percentile for employer $ per participant
- Low cost16.2 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 65th |
| Employee saving | 31th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Rockline Industries put in about $1,239 per active participant, below the typical peer ($2,320). 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.
- 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 | $2,952,376 |
| Participant (employee) contributions | $8,546,875 |
| Other contributions (incl. rollovers in) | $1,413,501 |
| Administrative expenses paid from the plan | $210,128 |
| Contract administrator fees | $153,556 |
| Investment advisory & management fees | $56,572 |
| Benefits paid out | $12,058,927 |
| Net assets, start / end of year | $139.1M / $159.3M |
| Active participants, start / end of year | 2,371 / 2,394 |
| Participants with account balances | 1,663 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $153,555 reported compensation |
| Francis Investment Couns | $56,608 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250702103356NAL0031311826001, received 2025-07-02, EIN 39-1238675, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.