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Grade My 401(k)
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1 issue

Republic Services, Inc.

65-0716904· Phoenix, AZ· Fidelity· 2025 filing· vs 3 plans your size
B
0/100
Overall grade

Solid plan with a few things to improve.

B
Fees
C
Financial Wellness
A
Plan design
B
Compliance
Fees

Your plan pays around 3 bps of assets per year. Similar plans pay around 9 bps. Your plan is cheaper than about 81% of similar plans.

B
cheaper19th percentilepricier
Financial Wellness

Middle-of-the-pack savings. Employees put away $4,885/employee a year. That's about average for plans this size.

C
lower54th percentilehigher
Plan design

Covers the basics. A few high-impact features are missing.

A
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Profit sharing
The employer also makes profit-sharing contributions on top of the match.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

1 item to review, nothing critical.

B
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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Key insights

  • Strongest area: plan design. Covers the basics. A few high-impact features are missing.
  • Best place to improve: financial wellness. Middle-of-the-pack savings. Employees put away $4,885/employee a year. That's about average for plans this size.
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