Ryan, LLC 401(k) Review & Grade
Ryan, LLC Employees 401(k) Profit Sharing Plan & Trust
Dallas, TXProfessional, Scientific & Technical Services2,766 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,440Employer $ per active participant
$11,587Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$387.2MNet plan assets, end of year
$119,689Average balance per account
Score breakdown
- Employer generosity35.7 / 5071th percentile for employer $ per participant
- Low cost14.3 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 57th |
| Employee saving | 66th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($3,107 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $30,969 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ryan put in about $4,440 per active participant, more than the typical peer ($2,951). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $12,281,672 |
| Participant (employee) contributions | $32,050,685 |
| Other contributions (incl. rollovers in) | $8,657,689 |
| Administrative expenses paid from the plan | $356,163 |
| Investment advisory & management fees | $60,621 |
| Other admin expenses | $19,515 |
| Benefits paid out | $36,183,072 |
| Net assets, start / end of year | $322.2M / $387.2M |
| Active participants, start / end of year | 2,690 / 2,842 |
| Participants with account balances | 3,235 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Russan & Johnston, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $276,642 reported compensation |
| Gallagher Benefit Services Inc DBA | $60,621 reported compensation |
| Pension Assurance LLP | $18,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006162254NAL0003794673001, received 2025-10-06, EIN 75-2411641, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.