Resurgent Capital Services, LP 401(k) Review & Grade
Resurgent Capital Services Group Retirement Savings Plan
Greenville, SCFinance & Insurance584 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,194Employer $ per active participant
$6,517Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$77.8MNet plan assets, end of year
$100,913Average balance per account
Score breakdown
- Employer generosity21.3 / 5043th percentile for employer $ per participant
- Low cost13.6 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving6.5 / 1543th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 43th |
| Lower admin cost | 54th |
| Employee saving | 43th |
| Peers that auto-enroll | 62% |
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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
- Resurgent Capital Services, LP put in about $3,194 per active participant, below the typical peer ($3,606). 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.
- 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 | $1,863,469 |
| Participant (employee) contributions | $3,802,952 |
| Other contributions (incl. rollovers in) | $406,803 |
| Administrative expenses paid from the plan | $144,802 |
| Investment advisory & management fees | $62,115 |
| Benefits paid out | $5,101,666 |
| Net assets, start / end of year | $66.9M / $77.8M |
| Active participants, start / end of year | 525 / 642 |
| Participants with account balances | 771 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Elliott Davis LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $82,687 reported compensation |
| Mariner Wealth Advisors | $62,115 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250903102453NAL0025777216001, received 2025-09-03, EIN 76-0609845, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.