Rangewater Real Estate, LLC 401(k) Review & Grade
Rangewater 401(k) Plan
Atlanta, GAReal Estate & Rental1,458 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,711Employer $ per active participant
$4,689Employee $ saved per active participant
0.74%Direct admin cost, % of plan assets
$44.8MNet plan assets, end of year
$27,276Average balance per account
Score breakdown
- Employer generosity31.7 / 5063th percentile for employer $ per participant
- Low cost2.9 / 2512th percentile for low admin cost vs. same-size plans
- Employee saving9.5 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 12th |
| Employee saving | 63th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Rangewater Real Estate put in about $1,711 per active participant, more than the typical peer ($1,279). 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.
- Direct plan expenses (0.74% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,493,955 |
| Participant (employee) contributions | $6,836,085 |
| Other contributions (incl. rollovers in) | $554,453 |
| Administrative expenses paid from the plan | $303,109 |
| Investment advisory & management fees | $123,516 |
| Benefits paid out | $7,182,202 |
| Net assets, start / end of year | $37.0M / $44.8M |
| Active participants, start / end of year | 1,646 / 1,270 |
| Participants with account balances | 1,641 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bridges & Dunn-Rankin, LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $165,843 reported compensation |
| LPL Financial | $109,171 reported compensation |
| Empower Advisory Group, LLC | $14,345 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010095149NAL0007896369001, received 2025-10-10, EIN 26-3956259, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.