Reliant Pro Rehab, LLC 401(k) Review & Grade
Reliant Pro Rehab, LLC Retirement Plan
Plano, TXHealth Care & Social Assistance7,565 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7Employer $ per active participant
$758Employee $ saved per active participant
0.81%Direct admin cost, % of plan assets
$39.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity5.3 / 5011th percentile for employer $ per participant
- Low cost1.6 / 256th percentile for low admin cost vs. same-size plans
- Employee saving3.1 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score13 / 100 · Grade F
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 6th |
| Employee saving | 21th |
| Peers that auto-enroll | 38% |
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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
- Reliant Pro Rehab put in about $7 per active participant, below the typical peer ($800). 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 (0.81% of assets) are well above similar-size plans (0.12%). 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 | $53,949 |
| Participant (employee) contributions | $5,732,796 |
| Other contributions (incl. rollovers in) | $1,800,150 |
| Administrative expenses paid from the plan | $293,643 |
| Investment advisory & management fees | $65,026 |
| Other admin expenses | $61,506 |
| Benefits paid out | $6,000,600 |
| Net assets, start / end of year | $33.5M / $39.1M |
| Active participants, start / end of year | 8,147 / 6,983 |
| Participants with account balances | 2,848 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Holthouse Carlin & Van Trigt LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $148,611 reported compensation |
| Creative Planning LLC | $62,459 reported compensation |
| Holthouse Carlin & Vantrigt LLP | $18,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250725141705NAL0005952113001, received 2025-07-25, EIN 45-2639073, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.