RPM Pizza, LLC 401(k) Review & Grade
RPM Pizza, LLC 401(k) Plan
Gulfport, MSAccommodation & Food Services1,230 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$140Employer $ per active participant
$836Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$16.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity15.8 / 5032th percentile for employer $ per participant
- Low cost15.4 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1551th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Accommodation & Food Services plans with 500–2,499 active participants (458 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 32th |
| Lower admin cost | 62th |
| Employee saving | 51th |
| Peers that auto-enroll | 17% |
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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
- RPM Pizza put in about $140 per active participant, below the typical peer ($266). 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.
- 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 | $172,104 |
| Participant (employee) contributions | $1,028,784 |
| Other contributions (incl. rollovers in) | $59,624 |
| Administrative expenses paid from the plan | $25,547 |
| Other admin expenses | $274 |
| Benefits paid out | $3,168,634 |
| Net assets, start / end of year | $16.0M / $16.1M |
| Active participants, start / end of year | 1,276 / 1,184 |
| Participants with account balances | 318 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Piltz, Williams, Larosa and Company |
| Employer stock held by plan | $1,496,196 |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $14,773 reported compensation |
| Piltz, Williams, Larosa Company | $10,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010121151NAL0008129873001, received 2025-10-10, EIN 72-1342278, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.