Rooney Holdings, Inc. 401(k) Review & Grade
Rooney Holdings, Inc. 401(k) Savings Plan
Tulsa, OKConstruction1,804 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,052Employer $ per active participant
$5,692Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$150.7MNet plan assets, end of year
$57,297Average balance per account
Score breakdown
- Employer generosity29.9 / 5060th percentile for employer $ per participant
- Low cost14.0 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 56th |
| Employee saving | 72th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,291 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rooney Holdings put in about $2,052 per active participant, more than the typical peer ($1,672). 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.
- 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 | $3,701,410 |
| Participant (employee) contributions | $10,269,102 |
| Other contributions (incl. rollovers in) | $2,365,546 |
| Administrative expenses paid from the plan | $266,062 |
| Investment advisory & management fees | $41,488 |
| Other admin expenses | $74,486 |
| Benefits paid out | $12,707,631 |
| Net assets, start / end of year | $130.0M / $150.7M |
| Active participants, start / end of year | 1,658 / 1,950 |
| Participants with account balances | 2,631 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grantthornton |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $150,088 reported compensation |
| Brown Advisory | $74,486 reported compensation |
| Strategic Advisors, Inc. | $41,488 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929113839NAL0015118915001, received 2025-09-29, EIN 73-1237809, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.