Railroad Construction 401(k) match, vesting and fees
What Railroad Construction's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Principal Life Insurance Company | Schedule C ↗ |
| Independent auditor | Sax LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 3,874 defined-contribution plans in construction with 100 to 499 participants.
| Railroad Construction: employer contribution per participant | $4,425 | |
| Peer median | $2,411 |
| Railroad Construction: average balance | $230,759 | |
| Peer median | $61,921 |
| Railroad Construction: admin expenses ÷ assets | 0.28% | |
| Peer median | 0.39% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $27M at the end of plan year 2021 to $35.1M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 162 | $35.1M | $673K | $4,425 | 0.28% | Not published | Form 5500 ↗ |
| 2023 | 153 | $29.7M | $580K | $3,895 | 0.27% | Not published | Form 5500 ↗ |
| 2022 | 148 | $24.7M | $492K | $3,462 | 0.12% | Not published | Form 5500 ↗ |
| 2021 | 130 | $27M | $472K | $3,744 | 0.25% | Not published | Form 5500 ↗ |
Common questions
Does Railroad Construction match 401(k) contributions?
The match terms for the Railroad Construction Company, Inc. 401k Plan have not been published from its filing yet. The plan year 2024 filing reports $673K in employer contributions, about $4,425 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Railroad Construction 401(k) match vested?
The vesting schedule for the Railroad Construction Company, Inc. 401k Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Railroad Construction 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Principal Life Insurance Company. The plan administrator is Railroad Construction Company, Inc.
I left Railroad Construction. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Railroad Construction Company, Inc, (973) 684-0362) or the recordkeeper, Principal Life Insurance Company. The Railroad Construction old 401(k) page lists the contacts from every plan filing. Find an old Railroad Construction 401(k)
Data from the public Form 5500 annual reports Railroad Construction filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Railroad Construction. Not financial advice. Report a correction · Methodology