Filings through Sep 24, 2026.

Retirement plan

Realterm US, Inc. 401(k) Plan

Name: REALTERM US, INC. - REALTERM US, INC. 401(K) PLAN (2024) Form 5500
Creator: REALTERM US, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, REALTERM US, INC. 401(K) PLAN, REALTERM US, INC.

Realterm US, Inc.EIN 52-2097545Plan #001PY 2024Filed Aug 22, 2025

201 WEST ST. - ANNAPOLIS, MD 21401410-216-6136realterm.comLinkedIn201-500 employeesreal estate

Prospect flagsHigh feesFund lineup: 18 funds, $24.0M

How to read this page

Total assets (EOY)

$24.2M

+34.6% from 2023

Total participants

201

+9.2% from 2023

Average account balance

$123,358

+20.8% from 2023

Annual return

21.24%

-3.24 pp from 2023

Benchmarks

See 1,094 peers

Peer group

Industry53 - Real Estate and Rental and Leasing

Plan typeDefined contribution

Participants100-249

Cohort1,094 peers

Snapshot2024

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Analytics

See the 10-year trajectory with Solo.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
MERRILL LYNCH PIERCE FENNER & SMITH3 years Service code 17 · EIN 13-5674085	Pension Consulting	$41,222
PRINCIPAL LIFE INSURANCE COMPANY5 years Service code 13 · EIN 42-0127290	Contract Administrator	$33,948
PRIME BENEFITS, INC.3 years Service code 13 · EIN 52-2204662	Contract Administrator	$16,443

Fund lineup

CSV with Pro

18 funds of $250K or more; 17 lines in all, holding $24.0M of the plan's $24.2M. From the 2024 filing. Recordkeeper: Principal.

In collective trusts50%median 0% for plans of $5M to $50M (34,889 plans)

In index funds25%median 21% for plans of $5M to $50M (34,889 plans)

In the main target-date series50%median 35% for plans of $5M to $50M (34,889 plans)

Employer stockNo

Target-date series: Principal LifeTime, collective trust, 50% of fund dollars

Fund	Manager	Vehicle	Dollars	% of funds%
Principal LifeTime Principal · Collective trust Target-date, 11 vintagesRecordkeeper's own fund	Principal	Collective trust	$12.0M	50.1%
Vanguard 500 Index Fund Vanguard · Mutual fund Index	Vanguard	Mutual fund	$4.3M	18.0%
Loomis Sayles Growth Fund Natixis IM · Mutual fund	Natixis IM	Mutual fund	$2.2M	9.1%
Eaton Vance Atlanta Capital Smid-Cap Fund Morgan Stanley · Mutual fund	Morgan Stanley	Mutual fund	$1.4M	6.0%
Janus Investment Fund - Janus Henderson Triton Fund Janus Henderson · Mutual fund	Janus Henderson	Mutual fund	$876K	3.6%
Principal Global Investors SmallCap S&P 600 Index Principal · Separate account IndexRecordkeeper's own fund	Principal	Separate account	$700K	2.9%
Principal Global Investors MidCap S&P 400 Index Principal · Separate account IndexRecordkeeper's own fund	Principal	Separate account	$518K	2.2%
Western Asset Core Plus Bond Fund Franklin Templeton · Mutual fund	Franklin Templeton	Mutual fund	$465K	1.9%
Vanguard Developed Markets Index Fund Vanguard · Mutual fund Index	Vanguard	Mutual fund	$332K	1.4%
Nomura Value Fund Macquarie / Nomura · Mutual fund	Macquarie / Nomura	Mutual fund	$258K	1.1%

See the other 7 lines in this lineup with Solo.

Covers 60,908 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)

Expense breakdown

Schedule H Part II

Admin total

$85K

$489 / participant

Investment mgmt$22K26.2%
Contract admin$40K47.7%
Other / not subdivided$22K26.2%

% of EOY assets

0.350%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: HOZIK & COMPANY P.L.C.
Auditor EIN: 541963607
Audit fees: (not subdivided)
Opinion code: Unqualified

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Provider

Service type

Compensation

MERRILL LYNCH PIERCE FENNER & SMITH3 years

Service code 17 · EIN 13-5674085

Pension Consulting

$41,222

PRINCIPAL LIFE INSURANCE COMPANY5 years

Service code 13 · EIN 42-0127290

Contract Administrator

$33,948

PRIME BENEFITS, INC.3 years

Service code 13 · EIN 52-2204662

Contract Administrator

$16,443

Fund

Dollars

% of funds%

Principal LifeTime

Principal · Collective trust

Target-date, 11 vintagesRecordkeeper's own fund

$12.0M

50.1%

Vanguard 500 Index Fund

Vanguard · Mutual fund

Index

$4.3M

18.0%

Loomis Sayles Growth Fund

Natixis IM · Mutual fund

$2.2M

9.1%

Eaton Vance Atlanta Capital Smid-Cap Fund

Morgan Stanley · Mutual fund

$1.4M

6.0%

Janus Investment Fund - Janus Henderson Triton Fund

Janus Henderson · Mutual fund

$876K

3.6%

Principal Global Investors SmallCap S&P 600 Index

Principal · Separate account

IndexRecordkeeper's own fund

$700K

2.9%

Principal Global Investors MidCap S&P 400 Index

Principal · Separate account

IndexRecordkeeper's own fund

$518K

2.2%

Western Asset Core Plus Bond Fund

Franklin Templeton · Mutual fund

$465K

1.9%

Vanguard Developed Markets Index Fund

Vanguard · Mutual fund

Index

$332K

1.4%

Nomura Value Fund

Macquarie / Nomura · Mutual fund

$258K

1.1%

Realterm US, Inc. 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Realterm US, Inc. 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion