RWC International, LTD. 401(k) Review & Grade
RWC International, LTD. Profit Sharing and 401(k) Plan
Phoenix, AZRetail Trade700 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,258Employer $ per active participant
$3,958Employee $ saved per active participant
0.51%Direct admin cost, % of plan assets
$37.1MNet plan assets, end of year
$80,475Average balance per account
Score breakdown
- Employer generosity35.0 / 5070th percentile for employer $ per participant
- Low cost5.6 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 22th |
| Employee saving | 65th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $127,798 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- RWC International put in about $1,258 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.
- Direct plan expenses (0.51% 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 | $881,288 |
| Participant (employee) contributions | $2,772,436 |
| Other contributions (incl. rollovers in) | $4,197,539 |
| Administrative expenses paid from the plan | $172,052 |
| Contract administrator fees | $75,159 |
| Investment advisory & management fees | $74,772 |
| Benefits paid out | $4,750,669 |
| Net assets, start / end of year | $29.9M / $37.1M |
| Active participants, start / end of year | 669 / 732 |
| Participants with account balances | 461 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Mansperger Patterson & Mcmullin PLC |
Largest service providers (Schedule C)
| Hillspring Financial Inc. | $74,771 reported compensation |
| Transamerica Retirement Solutions, | $54,168 reported compensation |
| Fiduciary Outsourcing, LLC DBA Pma | $38,487 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013102247NAL0001694464001, received 2025-10-13, EIN 27-2085725, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.