Reliance Test & Technology, LLC 401(k) Review & Grade
Reliance Test & Technology, LLC 401(k) Plan
Crestview, FLProfessional, Scientific & Technical Services1,051 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,398Employer $ per active participant
$6,137Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$105.6MNet plan assets, end of year
$97,961Average balance per account
Score breakdown
- Employer generosity28.1 / 5056th percentile for employer $ per participant
- Low cost18.7 / 2575th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 75th |
| Employee saving | 31th |
| 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
- Reliance Test & Technology put in about $3,398 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 | $3,571,026 |
| Participant (employee) contributions | $6,449,646 |
| Other contributions (incl. rollovers in) | $625,657 |
| Administrative expenses paid from the plan | $96,766 |
| Investment advisory & management fees | $96,766 |
| Benefits paid out | $10,818,410 |
| Net assets, start / end of year | $93.2M / $105.6M |
| Active participants, start / end of year | 1,058 / 1,044 |
| Participants with account balances | 1,078 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bdo USA LLP |
Largest service providers (Schedule C)
| Capfinancial Partners LLC DBA Captr | $96,766 reported compensation |
| Empower Annuity Insurance Company O | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015160635NAL0010207538001, received 2025-10-15, EIN 47-4732425, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.