TKC Holdings, Inc. 401(k) Review & Grade
TKC Holdings, Inc. Retirement Plan
ST. Louis, MOWholesale Trade4,984 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,297Employer $ per active participant
$2,574Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$281.9MNet plan assets, end of year
$102,891Average balance per account
Score breakdown
- Employer generosity11.3 / 5023th percentile for employer $ per participant
- Low cost10.5 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1518th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 23th |
| Lower admin cost | 42th |
| Employee saving | 18th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($41,108 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- TKC Holdings put in about $1,297 per active participant, below the typical peer ($2,459). 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.
- 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 | $6,461,432 |
| Participant (employee) contributions | $12,826,865 |
| Other contributions (incl. rollovers in) | $933,035 |
| Administrative expenses paid from the plan | $415,122 |
| Investment advisory & management fees | $42,641 |
| Benefits paid out | $19,228,487 |
| Net assets, start / end of year | $247.5M / $281.9M |
| Active participants, start / end of year | 5,070 / 4,897 |
| Participants with account balances | 2,740 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rubinbrown LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $353,781 reported compensation |
| Concurrent Investment Advisors LLC | $42,641 reported compensation |
| Rubin Brown LLP | $18,700 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013123236NAL0002808658001, received 2025-10-13, EIN 81-2608849, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.