Healthcare Realty Trust Incorporated 401(k) Review & Grade
Healthcare Realty Trust Inc. 401(k) Profit Sharing Plan
Nashville, TNReal Estate & Rental567 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,274Employer $ per active participant
$6,792Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$51.7MNet plan assets, end of year
$77,188Average balance per account
Score breakdown
- Employer generosity36.6 / 5073th percentile for employer $ per participant
- Low cost16.3 / 2565th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score65 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 73th |
| Lower admin cost | 65th |
| Employee saving | 82th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $8,493 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Healthcare Realty Trust Incorporated put in about $2,274 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.
- 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.
- 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 | $1,289,375 |
| Participant (employee) contributions | $3,851,222 |
| Other contributions (incl. rollovers in) | $498,854 |
| Administrative expenses paid from the plan | $68,856 |
| Contract administrator fees | $1,200 |
| Benefits paid out | $6,983,332 |
| Net assets, start / end of year | $46.9M / $51.7M |
| Active participants, start / end of year | 586 / 548 |
| Participants with account balances | 670 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | FMC Cpas, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $68,856 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013083122NAL0000380019001, received 2025-10-13, EIN 20-4738467, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.