Roth Staffing Companies, LP 401(k) Review & Grade
Roth Staffing Companies, LP 401(k) Plan
Orange, CAAdministrative, Support & Staffing Services1,493 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$195Employer $ per active participant
$1,428Employee $ saved per active participant
0.55%Direct admin cost, % of plan assets
$29.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.0 / 5028th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 28th |
| Lower admin cost | 20th |
| Employee saving | 43th |
| Peers that auto-enroll | 27% |
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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
- Roth Staffing Companies, LP put in about $195 per active participant, below the typical peer ($712). 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 (0.55% 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.
- 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 | $291,183 |
| Participant (employee) contributions | $2,132,418 |
| Other contributions (incl. rollovers in) | $836,327 |
| Administrative expenses paid from the plan | $152,768 |
| Contract administrator fees | $104,207 |
| Investment advisory & management fees | $28,250 |
| Benefits paid out | $3,027,809 |
| Net assets, start / end of year | $25.8M / $29.6M |
| Active participants, start / end of year | 1,515 / 1,471 |
| Participants with account balances | 604 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Withumsmithbrown, PC |
Largest service providers (Schedule C)
| John Hancock Retirement Plan Srvcs | $104,207 reported compensation |
| Sageview Advisory Group LLC | $28,250 reported compensation |
| Withumsmith+brown, PC | $20,311 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010174120NAL0004835523001, received 2025-10-10, EIN 33-0633164, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.