National Association of Realtors 401(k) Review & Grade
National Association of Realtors Salary Reduction Profit Sharing Plan
Chicago, ILOther Services526 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,334Employer $ per active participant
$11,250Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$139.6MNet plan assets, end of year
$203,271Average balance per account
Score breakdown
- Employer generosity41.4 / 5083th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving14.5 / 1597th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 95th |
| Employee saving | 97th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,780 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- National Association of Realtors put in about $3,334 per active participant, more than the typical peer ($1,257). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,753,946 |
| Participant (employee) contributions | $5,917,721 |
| Other contributions (incl. rollovers in) | $346,362 |
| Administrative expenses paid from the plan | $30,047 |
| Investment advisory & management fees | $23,474 |
| Benefits paid out | $18,568,310 |
| Net assets, start / end of year | $132.2M / $139.6M |
| Active participants, start / end of year | 531 / 521 |
| Participants with account balances | 687 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $22,208 reported compensation |
| Fiducient Advisors LLC | $19,657 reported compensation |
| Charles Schwab & Co., Inc. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103203NAL0003669728003, received 2025-10-14, EIN 36-1520690, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.