Rehab Pro Therapy 401(k) Review & Grade
Rehab Pro Therapy 401(k) Plan
Tyler, TXHealth Care & Social Assistance586 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$616Employer $ per active participant
$1,269Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$26.2MNet plan assets, end of year
$63,325Average balance per account
Score breakdown
- Employer generosity19.8 / 5040th percentile for employer $ per participant
- Low cost7.1 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 28th |
| Employee saving | 29th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Rehab Pro Therapy put in about $616 per active participant, below the typical peer ($976). Any match is still an instant return, so contribute enough to get all of it.
- 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 (0.43% 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.
- 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 | $361,195 |
| Participant (employee) contributions | $744,210 |
| Other contributions (incl. rollovers in) | $65,554 |
| Administrative expenses paid from the plan | $106,142 |
| Investment advisory & management fees | $45,000 |
| Benefits paid out | $1,910,506 |
| Net assets, start / end of year | $23.6M / $26.2M |
| Active participants, start / end of year | 614 / 559 |
| Participants with account balances | 414 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Prothro Wilhelmi and Co PLLC |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $61,142 reported compensation |
| Frost Wealth Advisors | $45,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260831143749NAL0008203795001, received 2026-08-31, EIN 75-2962410, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.