Stream Realty Partners 401(k) Review & Grade
Stream Realty Partners 401(k) Savings Plan
Dallas, TXReal Estate & Rental1,406 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,882Employer $ per active participant
$8,992Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$97.1MNet plan assets, end of year
$57,511Average balance per account
Score breakdown
- Employer generosity40.3 / 5081th percentile for employer $ per participant
- Low cost9.9 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 39th |
| Employee saving | 91th |
| Peers that auto-enroll | 47% |
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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
- Stream Realty Partners put in about $2,882 per active participant, more than the typical peer ($1,279). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $4,050,626 |
| Participant (employee) contributions | $12,638,143 |
| Other contributions (incl. rollovers in) | $5,026,897 |
| Administrative expenses paid from the plan | $263,529 |
| Contract administrator fees | $263,529 |
| Benefits paid out | $7,873,020 |
| Net assets, start / end of year | $73.2M / $97.1M |
| Active participants, start / end of year | 1,340 / 1,471 |
| Participants with account balances | 1,688 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Carrs, Riggs and Ingram, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $263,529 reported compensation |
| Prospera Financial Services | $40,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010133615NAL0018709426001, received 2025-10-10, EIN 99-1770642, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.