Roger Cleveland Golf Co., Inc. 401(k) Review & Grade
Roger Cleveland Golf Co., Inc. 401(k) Savings Plan
Huntington Beach, CAManufacturing536 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,955Employer $ per active participant
$5,774Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$53.8MNet plan assets, end of year
$81,872Average balance per account
Score breakdown
- Employer generosity31.3 / 5063th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 54th |
| Employee saving | 62th |
| Peers that auto-enroll | 59% |
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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
- Roger Cleveland Golf Co. put in about $2,955 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 | $1,584,054 |
| Participant (employee) contributions | $3,095,126 |
| Other contributions (incl. rollovers in) | $173,354 |
| Administrative expenses paid from the plan | $99,377 |
| Contract administrator fees | $6,039 |
| Investment advisory & management fees | $46,000 |
| Benefits paid out | $2,160,344 |
| Net assets, start / end of year | $45.0M / $53.8M |
| Active participants, start / end of year | 483 / 589 |
| Participants with account balances | 657 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Windes, Inc. |
Largest service providers (Schedule C)
| Empower Annuity Ins. Co. of America | $47,542 reported compensation |
| SFG Retirement Plan Consulting, LLC | $46,000 reported compensation |
| Pension Benefits Unlimited, Inc. | $6,039 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015221929NAL0011372370001, received 2025-10-15, EIN 95-3838879, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.