R.h. White Construction Co., Inc. 401(k) Plan: Login, Facts & Contact Information

R.h. White Construction Co., Inc. 401(k) Plan Facts

Plan name
R.H. WHITE 401(K) PROFIT SHARING-PW PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
R.H. WHITE CONSTRUCTION CO., INC.
Participants
693 (520 active employees)
Former employees with a balance
213
Plan assets
$70,357,016 at Dec 31, 2024
Average account balance
$100,654 across 699 accounts
Employer contributions
$3,164,887 in plan year 2024 (46% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1988
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 8, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $6.89 million went into the plan in contributions, $3.16 million of it from the employer (46%).
  • $3.90 million was paid out to participants.
  • Investment and other income added $7.85 million.
  • Administrative expenses were $144,343, about $206 per account.

How the R.h. White Construction Co., Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019798$46.5 million$1.89 million$4.07 million
2020803$53.7 million$1.84 million$4.84 million
2021774$60.8 million$1.61 million$4.63 million
2022751$51.3 million$1.90 million$3.71 million
2023725$59.7 million$2.60 million$7.52 million
2024693$70.4 million$3.16 million$3.90 million

R.h. White Construction Co., Inc. 401(k) Contact Information

Phone
508-832-3295
Mailing address
41 CENTRAL STREET, AUBURN MA 01501
Plan sponsor
R.H. WHITE CONSTRUCTION CO., INC.
Employer identification number (EIN)
04-2133102
Plan number
003

Questions about the R.h. White Construction Co., Inc. 401(k)

Does R.h. White Construction Co., Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $3.16 million, 46% of all contributions.

Does the R.h. White Construction Co., Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the R.h. White Construction Co., Inc 401(k) plan?

693 participants at the start of plan year 2024, 520 of them active employees, and 213 former employees who still had money in the plan.

What is the average 401(k) balance at R.h. White Construction Co., Inc?

About $100,654 per account: $70.4 million in plan assets across 699 accounts with a balance at the end of plan year 2024.

Who manages the R.h. White Construction Co., Inc 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at R.h. White Construction Co., Inc. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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