RPM Living, LLC 401(k) Review & Grade
RPM Living, LLC 401(k) Plan
Austin, TXReal Estate & Rental4,776 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,654Employer $ per active participant
$3,034Employee $ saved per active participant
0.80%Direct admin cost, % of plan assets
$64.4MNet plan assets, end of year
$12,988Average balance per account
Score breakdown
- Employer generosity34.7 / 5069th percentile for employer $ per participant
- Low cost1.6 / 257th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Real Estate & Rental plans with 2,500–9,999 active participants (50 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 7th |
| Employee saving | 47th |
| Peers that auto-enroll | 46% |
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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
- RPM Living put in about $1,654 per active participant, more than the typical peer ($1,141). 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 (0.80% of assets) are well above similar-size plans (0.12%). 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 | $7,898,978 |
| Participant (employee) contributions | $14,488,633 |
| Other contributions (incl. rollovers in) | $2,506,204 |
| Administrative expenses paid from the plan | $437,254 |
| Investment advisory & management fees | $118,072 |
| Benefits paid out | $11,144,434 |
| Net assets, start / end of year | $44.4M / $64.4M |
| Active participants, start / end of year | 4,578 / 4,973 |
| Participants with account balances | 4,956 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Wipfli |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $319,182 reported compensation |
| World Investment Advisors LLC | $108,580 reported compensation |
| Strategic Advisors, Inc. | $9,492 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008092117NAL0009099616001, received 2025-10-08, EIN 27-0226749, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.