Real Chemistry, Inc. 401(k) Review & Grade
The Real Chemistry 401k Savings Plan
San Francisco, CAProfessional, Scientific & Technical Services1,784 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,661Employer $ per active participant
$12,676Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$223.3MNet plan assets, end of year
$90,029Average balance per account
Score breakdown
- Employer generosity29.8 / 5060th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 73th |
| Employee saving | 79th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $69,703 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Real Chemistry put in about $3,661 per active participant, more than the typical peer ($3,082). 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 | $6,532,733 |
| Participant (employee) contributions | $22,620,869 |
| Other contributions (incl. rollovers in) | $4,822,631 |
| Administrative expenses paid from the plan | $200,961 |
| Contract administrator fees | $2,700 |
| Investment advisory & management fees | $11,667 |
| Other admin expenses | $7,750 |
| Benefits paid out | $20,269,137 |
| Net assets, start / end of year | $157.8M / $223.3M |
| Active participants, start / end of year | 1,703 / 1,866 |
| Participants with account balances | 2,480 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $181,544 reported compensation |
| Onedigital Investment Advisors LLC | $11,667 reported compensation |
| Katz, Sapper & Miller | $7,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010143654NAL0007883649001, received 2025-10-10, EIN 26-2729056, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.