Real Services 403(b) match, vesting and fees
What Real Services' 403(b) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Principal Life Insurance Company | Schedule C ↗ |
| Independent auditor | Pension Assurance LLP (disclaimer opinion) | Schedule H ↗ |
| Plan type and status | 403(b) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 2,291 defined-contribution plans in health care and social assistance with 100 to 499 participants.
| Real Services: employer contribution per participant | $1,476 | |
| Peer median | $1,440 |
| Real Services: average balance | $39,707 | |
| Peer median | $38,351 |
| Real Services: admin expenses ÷ assets | 0.68% | |
| Peer median | 0.47% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $7.5M at the end of plan year 2021 to $7.7M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 223 | $7.7M | $285K | $1,476 | 0.68% | Not published | Form 5500 ↗ |
| 2024 | 251 | $7.5M | $363K | $1,690 | 0.94% | Not published | Form 5500 ↗ |
| 2023 | 329 | $8M | $405K | $1,420 | 0.73% | Not published | Form 5500 ↗ |
| 2022 | 293 | $6.7M | $291K | $1,179 | 0.66% | Not published | Form 5500 ↗ |
| 2021 | 264 | $7.5M | $262K | $1,144 | 0.74% | Not published | Form 5500 ↗ |
Common questions
Does Real Services match 401(k) contributions?
The match terms for the Real Services, Inc. 403(b) Plan have not been published from its filing yet. The plan year 2025 filing reports $285K in employer contributions, about $1,476 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Real Services 401(k) match vested?
The vesting schedule for the Real Services, Inc. 403(b) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Real Services 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Principal Life Insurance Company. The plan administrator is Real Services, Inc..
I left Real Services. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Real Services, Inc., (574) 276-8491) or the recordkeeper, Principal Life Insurance Company. The Real Services old 401(k) page lists the contacts from every plan filing. Find an old Real Services 401(k)
Data from the public Form 5500 annual reports Real Services filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Real Services. Not financial advice. Report a correction · Methodology