Plan Ledger DOL Form 5500 · updated monthly

R & O Construction401(k)

R & O CONSTRUCTION PROFIT SHARING 401(K) PLAN · OGDEN, UT · plan year 2024

Reported admin expense ratio · 2024
0.39%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

R & O Construction reported $96,907 in plan administrative expenses for 2024: 0.39% of average plan assets, above the peer median. Employer contributions averaged $1,156 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.36% to 0.39%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other construction employers. By assets it is the 239th-largest of 848 plans among Utah employers on file, and the 1,673rd of 5,337 in construction. In 2024, employees put in $7.60 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$26,379,767
Participants with balances197
Active participants172
Employer contributions$198,911
Employee contributions$1,511,747
Employer contribution per active participant$1,156
Average account balance$133,907
Benefits paid to participants$1,308,117
Plan auditUnmodified (clean) audit opinion
AuditorWSRP, LLC
Plan history3
Yearassets · accounts · employer contribution
2024$26.4M · 197 accts · $199K emplr
2023$23.1M · 191 accts · $182K emplr
2022$20.5M · 191 accts · $180K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$96,907
Total administrative$96,907
The R & O Construction 401(k) match · 2024
Employer contribution per active participant$1,156
Median for plans this size$2,416
2024$1,156 per active participant
2023$1,099 per active participant
2022$1,032 per active participant

R & O Construction's 2024 employer contribution ran below the $2,416 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$96,907
RESOURCES INVESTMENT ADVISORS INC · Investment advisory (plan)indirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$96,907 · 0.39%
2023$82,337 · 0.38%
2022$78,656 · 0.36%
Same employer
Similar plansConstruction · Utah
Kelso Industries, LLC UT$36.9M · 0.19%
3FORM LLC UT$33.3M · 0.48%
R.C. Hunt Electric, Inc. UT$26.4M · 0.07%
Steel Encounters, Inc. UT$23.8M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 870357889 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.