Roach and Smith Distributors 401(k) match, vesting and fees
What Roach and Smith Distributors' 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 | Capital Group Retirement Plan Svcs | Schedule C ↗ |
| Independent auditor | Wipfli LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2024 medians for 3,074 defined-contribution plans in wholesale trade with 100 to 499 participants.
| Roach and Smith Distributors: employer contribution per participant | $1,874 | |
| Peer median | $1,988 |
| Roach and Smith Distributors: average balance | $94,675 | |
| Peer median | $75,431 |
| Roach and Smith Distributors: admin expenses ÷ assets | 0.01% | |
| Peer median | 0.31% |
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 $10.6M at the end of plan year 2022 to $14.7M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 240 | $14.7M | $290K | $1,874 | 0.01% | Not published | Form 5500 ↗ |
| 2023 | 198 | $12.9M | $272K | $1,697 | 0.01% | Not published | 5500-SF ↗ |
| 2022 | 125 | $10.6M | $373K | $3,185 | <0.01% | Not published | 5500-SF ↗ |
Common questions
Does Roach and Smith Distributors match 401(k) contributions?
The match terms for the Roach & Smith Distributors, Inc. Retirement Plan & Trust have not been published from its filing yet. The plan year 2024 filing reports $290K in employer contributions, about $1,874 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Roach and Smith Distributors 401(k) match vested?
The vesting schedule for the Roach & Smith Distributors, Inc. Retirement Plan & Trust is not in the data published so far. Your Summary Plan Description states it.
Who manages the Roach and Smith Distributors 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Capital Group Retirement Plan Svcs. The plan administrator is Roach and Smith Distributors, Inc..
I left Roach and Smith Distributors. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Roach and Smith Distributors, Inc., (406) 782-9158) or the recordkeeper, Capital Group Retirement Plan Svcs. The Roach and Smith Distributors old 401(k) page lists the contacts from every plan filing. Find an old Roach and Smith Distributors 401(k)
Data from the public Form 5500 annual reports Roach and Smith Distributors filed with the U.S. Department of Labor (plan years 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 Roach and Smith Distributors. Not financial advice. Report a correction · Methodology