Plan Ledger DOL Form 5500 · updated monthly

Risk Theory Management, LLC401(k)

RISK THEORY MANAGEMENT, LLC 401(K) PLAN · ADDISON, TX · plan year 2024

Reported admin expense ratio · 2024
0.48%

Peer grade: D · admin costs + employer contributions vs same-size plans · how grading works

Risk Theory Management, LLC reported $52,102 in plan administrative expenses for 2024: 0.48% of average plan assets, higher than ~75% of peers. Employer contributions averaged $9 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 1 year on file its reported administrative ratio rose from 0.41% to 0.48%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 2,714th-largest of 5,688 plans among Texas employers on file, and 3,728th of 4,798 in finance & insurance. In 2024, employees put in $562.57 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$12,587,158
Participants with balances211
Active participants432
Employer contributions$3,730
Employee contributions$2,098,378
Employer contribution per active participant$9
Average account balance$59,655
Benefits paid to participants$840,595
Plan auditUnmodified (clean) audit opinion
Plan history2
Yearassets · accounts · employer contribution
2024$12.6M · 211 accts · $4K emplr
2023$9.1M · 191 accts
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$26,531
Investment management$25,571
Total administrative$52,102
The Risk Theory Management, LLC 401(k) match · 2024
Employer contribution per active participant$9
Median for plans this size$2,416

Risk Theory Management, LLC's 2024 employer contribution ran below the $2,416 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
TRANSAMERICA RETIREMENT SOLUTIONS · Recordkeeping · Loan processing$26,531
BANK OF AMERICA NA · Investment advisory (plan)$25,571

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024Transamerica
2023Transamerica

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history2
2024$52,102 · 0.48%
2023$30,680 · 0.41%
Similar plansFinance & Insurance · Texas
Fc&S Insurance Agency TX$12.8M · 0.00%
Basin Holdings LLC TX$12.7M · 0.62%
America's Credit Union TX$12.4M · 0.77%
Ethos Technologies, Inc. TX$12.3M · 0.08%
Ciera Bank TX$12.2M · 0.32%

Why are you looking at this plan?

Compare

Source: U.S. Department of Labor, Form 5500 series, EIN 883279524 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.