Ram Partners, LLC 401(k) Review & Grade
Ram Partners, LLC 401(k) Retirement Savings Plan
Atlanta, GAReal Estate & Rental1,604 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$735Employer $ per active participant
$2,659Employee $ saved per active participant
0.46%Direct admin cost, % of plan assets
$25.3MNet plan assets, end of year
$18,641Average balance per account
Score breakdown
- Employer generosity15.0 / 5030th percentile for employer $ per participant
- Low cost6.5 / 2526th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 30th |
| Lower admin cost | 26th |
| Employee saving | 37th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $73,851 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ram Partners put in about $735 per active participant, below the typical peer ($1,279). 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 (0.46% 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 | $1,179,617 |
| Participant (employee) contributions | $4,266,197 |
| Other contributions (incl. rollovers in) | $792,441 |
| Administrative expenses paid from the plan | $104,402 |
| Investment advisory & management fees | $68,351 |
| Benefits paid out | $3,700,088 |
| Net assets, start / end of year | $20.4M / $25.3M |
| Active participants, start / end of year | 1,268 / 1,941 |
| Participants with account balances | 1,358 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Henderson, Hutcherson & Mccullough, |
Largest service providers (Schedule C)
| Ballew Advisors | $68,351 reported compensation |
| Fidelity Investments Institutional | $36,051 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930111324NAL0005457107001, received 2025-09-30, EIN 58-2658504, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.