Roots Management Group, LLC 401(k) Review & Grade
Roots Management Group 401(k) Plan
Gilbert, AZManufacturing643 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,240Employer $ per active participant
$2,525Employee $ saved per active participant
2.79%Direct admin cost, % of plan assets
$4.9MNet plan assets, end of year
$6,475Average balance per account
Score breakdown
- Employer generosity11.9 / 5024th percentile for employer $ per participant
- Low cost0.1 / 251th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
- Red-flag deductions-10 pts1 issue reported on the filing
Total score5 / 100 · Grade F
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 | 1th |
| Employee saving | 17th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($146,304 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Roots Management Group put in about $1,240 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.
- Direct plan expenses (2.79% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $797,215 |
| Participant (employee) contributions | $1,623,746 |
| Other contributions (incl. rollovers in) | $100,776 |
| Administrative expenses paid from the plan | $107,664 |
| Contract administrator fees | $30,689 |
| Benefits paid out | $769,146 |
| Net assets, start / end of year | $2.8M / $4.9M |
| Active participants, start / end of year | 643 / 643 |
| Participants with account balances | 758 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Turner, Stone, & Company, LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $63,009 reported compensation |
| DWC - the 401(k) Experts | $30,725 reported compensation |
| Big Benefit Corp | $14,268 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260331163315NAL0000423091001, received 2026-03-31, EIN 87-0855596, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.