Johnson Real Estate Investors, LLC. 401(k) Review & Grade
Johnson Real Estate Investors, LLC. 401(k) Plan
Agawam, MAProfessional, Scientific & Technical Services591 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$914Employer $ per active participant
$3,354Employee $ saved per active participant
0.36%Direct admin cost, % of plan assets
$30.2MNet plan assets, end of year
$42,358Average balance per account
Score breakdown
- Employer generosity9.3 / 5019th percentile for employer $ per participant
- Low cost8.5 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 34th |
| Employee saving | 17th |
| Peers that auto-enroll | 48% |
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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
- Johnson Real Estate Investors put in about $914 per active participant, below the typical peer ($3,082). 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 (0.36% 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 | $540,245 |
| Participant (employee) contributions | $1,982,482 |
| Other contributions (incl. rollovers in) | $55,008 |
| Administrative expenses paid from the plan | $104,852 |
| Investment advisory & management fees | $33,945 |
| Benefits paid out | $3,723,315 |
| Net assets, start / end of year | $27.6M / $30.2M |
| Active participants, start / end of year | 642 / 540 |
| Participants with account balances | 712 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Meyers Brothers Kalicka PC |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $70,907 reported compensation |
| Ubs Financial Services Inc | $33,945 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001081716NAL0012934689001, received 2025-10-01, EIN 04-2540540, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.