Stout Risius Ross, LLC 401(k) Review & Grade
Stout Risius Ross, LLC 401(k) Profit Sharing Plan
Royal Oak, MIProfessional, Scientific & Technical Services1,016 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$10,544Employer $ per active participant
$13,940Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$218.0MNet plan assets, end of year
$168,620Average balance per account
Score breakdown
- Employer generosity45.9 / 5092th percentile for employer $ per participant
- Low cost22.4 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 90th |
| Employee saving | 84th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $848 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stout Risius Ross put in about $10,544 per active participant, more than the typical peer ($3,082). 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 | $10,717,767 |
| Participant (employee) contributions | $14,170,452 |
| Other contributions (incl. rollovers in) | $13,010,138 |
| Administrative expenses paid from the plan | $81,491 |
| Investment advisory & management fees | $61,250 |
| Benefits paid out | $14,089,794 |
| Net assets, start / end of year | $167.0M / $218.0M |
| Active participants, start / end of year | 959 / 1,074 |
| Participants with account balances | 1,293 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Elliot Davis LLC |
Largest service providers (Schedule C)
| Ubs Financial Services Inc | $61,250 reported compensation |
| Fidelity Investments Institutional | $20,241 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911080507NAL0000400544001, received 2025-09-11, EIN 38-3003685, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.