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Smartbargains 401(k)

Recordkeeping fees per participant · Rue Gilt Groupe 401(k) Plan · plan year 2024

$43.02

Higher than 31% of the 5,847 plans $50 to 250M that report it.

Source

= $52,784 / 1,227
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250812130416NAL0022948946001, received 2025-08-12
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250812130416NAL0022948946001, received 2025-08-12

10th: $10.22median $69.9190th: $151.08

Percentiles compare this plan with the Schedule H plans $50 to 250M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-08-12.

Cost and contributions

Administrative expenses excluding investment management, per participant

$43.02

10th: $16.21median $93.2090th: $246.84

Higher than 22% of the 8,758 plans $50 to 250M that report it.

Source

= $52,784 / 1,227
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250812130416NAL0022948946001, received 2025-08-12
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250812130416NAL0022948946001, received 2025-08-12

Administrative expenses per participant

$63.06

10th: $29.39median $132.8490th: $350.58

Higher than 21% of the 9,042 plans $50 to 250M that report it.

Source

= $77,376 / 1,227
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250812130416NAL0022948946001, received 2025-08-12
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250812130416NAL0022948946001, received 2025-08-12

Administrative expenses as a share of assets

0.144%

10th: 0.022%median 0.136%90th: 0.326%

Higher than 53% of the 9,049 plans $50 to 250M that report it.

Source

= $77,376 / $53,845,649
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250812130416NAL0022948946001, received 2025-08-12
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250812130416NAL0022948946001, received 2025-08-12

Employer contributions per participant

$758

10th: $965median $2,73890th: $8,164

Higher than 7% of the 9,105 plans $50 to 250M that report it.

Source

= $929,767 / 1,227
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250812130416NAL0022948946001, received 2025-08-12
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250812130416NAL0022948946001, received 2025-08-12

Employer share of total contributions

15.6%

10th: 15.6%median 29.5%90th: 50.6%

Higher than 10% of the 9,112 plans $50 to 250M that report it.

Source

= $929,767 / $5,953,478
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250812130416NAL0022948946001, received 2025-08-12
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250812130416NAL0022948946001, received 2025-08-12

Plan terms, as stated in Smartbargains, Inc.'s SEC filings

Plan terms are not published in public filings.

Plan features

2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2T default investment (QDIA) · 3H controlled-group sponsor · 3D IRS pre-approved plan · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20250812130416NAL0022948946001, received 2025-08-12

Full record, Rue Gilt Groupe 401(k) Plan

FieldValueSource
Plan sponsorRGG SERVICES, INC.Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20250812130416NAL0022948946001, received 2025-08-12
Plan nameRUE GILT GROUPE 401K PLANForm 5500, line 1a; PLAN_NAME pos 16; filing 20250812130416NAL0022948946001, received 2025-08-12
Sponsor EIN / plan number04-3505021 / 001Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20250812130416NAL0022948946001, received 2025-08-12
Plan typesingle-employerForm 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20250812130416NAL0022948946001, received 2025-08-12
Sponsor locationBOSTON, MAForm 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20250812130416NAL0022948946001, received 2025-08-12
Industry (business code)454110, Retail tradeForm 5500, line 2d; BUSINESS_CODE pos 46; filing 20250812130416NAL0022948946001, received 2025-08-12
Plan year2024-01-01 to 2024-12-31Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20250812130416NAL0022948946001, received 2025-08-12
Filing received2025-08-12Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20250812130416NAL0022948946001, received 2025-08-12
Final filingnoForm 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20250812130416NAL0022948946001, received 2025-08-12
Amended filingnoForm 5500, Part I line B; AMENDED_IND pos 7; filing 20250812130416NAL0022948946001, received 2025-08-12
Participants, beginning of year1,360Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20250812130416NAL0022948946001, received 2025-08-12
Active participants764Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20250812130416NAL0022948946001, received 2025-08-12
Participants, end of year1,277Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20250812130416NAL0022948946001, received 2025-08-12
Participants with an account balance1,227Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250812130416NAL0022948946001, received 2025-08-12
Total assets, beginning of year$45,471,224Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20250812130416NAL0022948946001, received 2025-08-12
Total assets, end of year$53,845,649Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250812130416NAL0022948946001, received 2025-08-12
Net assets, end of year$53,845,649Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20250812130416NAL0022948946001, received 2025-08-12
Total income$14,194,204Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20250812130416NAL0022948946001, received 2025-08-12
Net income$8,374,425Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20250812130416NAL0022948946001, received 2025-08-12
Employer contributions$929,767Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250812130416NAL0022948946001, received 2025-08-12
Participant contributions$4,297,931Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20250812130416NAL0022948946001, received 2025-08-12
Other contributions (incl. rollovers)$725,780Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20250812130416NAL0022948946001, received 2025-08-12
Total contributions$5,953,478Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250812130416NAL0022948946001, received 2025-08-12
Benefit payments$5,741,291Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20250812130416NAL0022948946001, received 2025-08-12
Total expenses (incl. benefit payments)$5,819,779Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20250812130416NAL0022948946001, received 2025-08-12
Total administrative expenses$77,376Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250812130416NAL0022948946001, received 2025-08-12
Contract administrator fees$0Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20250812130416NAL0022948946001, received 2025-08-12
Recordkeeping fees$52,784Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20250812130416NAL0022948946001, received 2025-08-12
IQPA audit fees$0Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20250812130416NAL0022948946001, received 2025-08-12
Investment advisory and management fees$24,592Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20250812130416NAL0022948946001, received 2025-08-12
Administrative expenses excluding investment management$52,784derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250812130416NAL0022948946001, received 2025-08-12
Held in master trusts$0Schedule H, line 1c(11) col (b); INT_MASTER_TR_EOY_AMT pos 53; filing 20250812130416NAL0022948946001, received 2025-08-12
Held in common/collective trusts$23,589,024Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20250812130416NAL0022948946001, received 2025-08-12
Held in mutual funds$29,655,354Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20250812130416NAL0022948946001, received 2025-08-12
Independent auditorCBIZ CPAS PC.Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20250812130416NAL0022948946001, received 2025-08-12

Position = column in the DOL layout for form year 2024. Filing 20250812130416NAL0022948946001, received 2025-08-12.

Service providers paid directly by the plan

ProviderRelationshipService codesDirect compensationIndirect
FIDELITY INVESTMENTS INSTITUTIONALrecordkeeperRECORDKEEPER 37 Participant loan processing; 60 Sub-transfer agency fees; 64 Recordkeeping fees; 65 Account maintenance fees $52,784yes
GLOBAL RETIREMENT PARTNERS LLCADVISOR 27 Investment advisory (plan) $24,592no

Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20250812130416NAL0022948946001, received 2025-08-12.

What changed since the 2023 plan year

Figure20232024Change
Total assets$45,471,224$53,845,64918.4%
Participants with a balance1,3131,227-6.5%
Administrative expenses$73,018$77,3766.0%
Recordkeeping fees per participant$45.57$43.02-5.6%
Employer contributions$970,040$929,767-4.2%

Prior filing 20240731134945NAL0034100320001, received 2024-07-31; the plan years are contiguous.

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Sponsor name as filed: RGG SERVICES, INC.; SEC registrant: SMARTBARGAINS, INC. (CIK 1295825, matched by EIN).