Rxo Corporate Solutions, LLC 401(k) Review & Grade
Rxo 401(k) Plan
Charlotte, NCTransportation & Warehousing5,725 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,444Employer $ per active participant
$3,973Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$263.1MNet plan assets, end of year
$58,076Average balance per account
Score breakdown
- Employer generosity31.6 / 5063th percentile for employer $ per participant
- Low cost10.9 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving7.3 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 44th |
| Employee saving | 48th |
| Peers that auto-enroll | 46% |
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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
- Rxo Corporate Solutions put in about $2,444 per active participant, more than the typical peer ($1,834). 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.
- 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 | $13,992,202 |
| Participant (employee) contributions | $22,746,015 |
| Other contributions (incl. rollovers in) | $23,055,412 |
| Administrative expenses paid from the plan | $320,729 |
| Contract administrator fees | $1,500 |
| Benefits paid out | $23,064,659 |
| Net assets, start / end of year | $169.6M / $263.1M |
| Active participants, start / end of year | 5,129 / 6,321 |
| Participants with account balances | 4,530 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | KBF Cpas - Audit, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $320,729 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007081330NAL0010803074001, received 2025-10-07, EIN 85-4108974, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.