Roth Iga Foodliner, Inc. 401(k) Review & Grade
Roth Iga Foodliner, Inc. Profit Sharing Plan
Salem, ORRetail Trade575 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,482Employer $ per active participant
$1,675Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$44.5MNet plan assets, end of year
$38,020Average balance per account
Score breakdown
- Employer generosity37.3 / 5075th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 43th |
| Employee saving | 28th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $13,640 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Roth Iga Foodliner put in about $1,482 per active participant, more than the typical peer ($743). 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 | $852,197 |
| Participant (employee) contributions | $962,934 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $116,707 |
| Investment advisory & management fees | $85,186 |
| Benefits paid out | $2,146,711 |
| Net assets, start / end of year | $39.3M / $44.5M |
| Active participants, start / end of year | 613 / 537 |
| Participants with account balances | 1,171 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Aldrich Cpas and Advisors LLP |
Largest service providers (Schedule C)
| Morgan Stanley | $83,618 reported compensation |
| Akt LLP | $16,521 reported compensation |
| Barran Liebman LLC | $15,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015125049NAL0006143744001, received 2025-10-15, EIN 93-0506597, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.