Rolls-Royce Corporation 401(k) Review & Grade
Rolls-Royce Corporation Personal Savings Plan for Hourly-Rate Employees
Reston, VAManufacturing854 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,596Employer $ per active participant
$8,585Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$239.2MNet plan assets, end of year
$249,659Average balance per account
Score breakdown
- Employer generosity16.4 / 5033th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 82th |
| Employee saving | 84th |
| 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
- Rolls-Royce put in about $1,596 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.
- 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 | $1,362,561 |
| Participant (employee) contributions | $7,331,551 |
| Other contributions (incl. rollovers in) | $35,696 |
| Administrative expenses paid from the plan | $157,018 |
| Investment advisory & management fees | $44,316 |
| Other admin expenses | $44,768 |
| Benefits paid out | $25,120,721 |
| Net assets, start / end of year | $220.6M / $239.2M |
| Active participants, start / end of year | 872 / 836 |
| Participants with account balances | 958 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PWC |
Largest service providers (Schedule C)
| Fiducient Advisors LLC | $44,768 reported compensation |
| Strategic Advisors, Inc. | $44,316 reported compensation |
| Fidelity Investments Institutional | $37,934 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015134524NAL0005025985001, received 2025-10-15, EIN 35-1899021, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.