Plan Ledger DOL Form 5500 · updated monthly

Road & Rail Services LLC401(k)

ROAD &RAIL SERVICES LLC 401K PLAN · LOUISVILLE, KY · plan year 2024

Reported admin expense ratio · 2024
0.03%

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

Road & Rail Services LLC reported $1,400 in plan administrative expenses for 2024: 0.03% of average plan assets, lower than ~75% of peers. Employer contributions averaged $14 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 0.026% to 0.033%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other transportation & warehousing employers. By assets it is among the smaller plans on file in Kentucky (665th of 871), and 1,741st of 2,677 in transportation & warehousing. In 2024, employees put in $30.50 for every $1.00 the employer contributed; active participation has grown from 873 to 1,160 since 2022.

Plan summary
Net assets, end of year$4,332,512
Participants with balances163
Active participants1,160
Employer contributions$16,002
Employee contributions$488,040
Employer contribution per active participant$14
Average account balance$26,580
Benefits paid to participants$773,242
Plan auditUnmodified (clean) audit opinion
AuditorMATHER AND CO. CPAS LLC
Plan history3
Yearassets · accounts · employer contribution
2024$4.3M · 163 accts · $16K emplr
2023$4.1M · 160 accts · $18K emplr
2022$3.5M · 160 accts · $18K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$1,400
Total administrative$1,400
The Road & Rail Services LLC 401(k) match · 2024
Employer contribution per active participant$14
Median for plans this size$1,313
2024$14 per active participant
2023$17 per active participant
2022$20 per active participant

Road & Rail Services LLC's 2024 employer contribution ran below the $1,313 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 · 20241
AMERICAN UNITED LIFE INSURANCE CO · Recordkeeping · Participant communication$1,400

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

Recordkeeper by year2
2024OneAmerica
2023OneAmerica

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$1,400 · 0.03%
2023$924 · 0.02%
2022$1,000 · 0.03%
Same employer
Similar plansTransportation & Warehousing · Kentucky
Valiant Management, LLC KY$4.9M · 0.10%
Bray Trucking, Inc. KY$4.8M · 0.66%
Sterett Companies, LLC KY$4.1M · 0.89%
Mr P. Express KY$3.4M · 0.67%
Houston-Johnson Inc. KY$1.3M · 1.16%

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Source: U.S. Department of Labor, Form 5500 series, EIN 621699728 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.