SPARK Members Pooled 401(k) Retirement Plan

This program is only open to SPARK Premium Members.

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Plan Registration Form

Contact Information

This will be the email to which contribution rate changes are sent weekly. An invitation to create an account on the plan's payroll remittance website will also be emailed to this account.

Plan Basics

Please provide the email that you used to register as a SPARK member.

Please provide your corporate EIN if applicable. If you are an unincorporated sole proprietorship please leave this field blank.

Eligibility and Service Requirements

Highly Compensated Employees (HCE) are those who earned above a certain threshold in the previous year ($130,000 in 2020) or are at least 5% owners or closely related to a 5% owner. If HCEs exist, or are expected to exist, within your organization, it could have negative repercussions on your annual compliance testing requirements. If you have HCEs then annual compliance testing is required and is not guaranteed to pass. This option lets you exclude HCEs from the plan.


Employees will be automatically enrolled in the plan at the Auto-Enrollment Rate indicated below for their Pre-Tax 401(k). Each year at the end of the year, their participation rate will increase by the Auto-Escalation Rate indicated below, until they have reached the Auto-Escalation Max Rate.

Your use of this website constitutes your acknowledgment that
SPARK Association of Real Estate Professionals and
Realogy Services Group LLC or it's affiliated companies are not
parties to or fiduciaries of the SPARK Members Pooled 401(k) Retirement Plan.

Copyright (c) 2021 The Platinum 401k, Inc.
All rights reserved.

© 2021 SPARK Association of Real Estate Professionals. All rights reserved. Membership in the SPARK Association is limited to real estate agents who are actively affiliated with one of Realogy Brokerage Group LLC’s real estate brokerage companies or a Realogy Services Group, LLC branded franchise network. SPARK offers association members exclusive access to association group and individual insurance plans as well as the ability to enroll in discounted and association member-only benefits and programs offered at special member-only rates and coverages. Not all members may qualify, and enrollment may be restricted to only members who apply in a timely manner or during the appropriate open enrollment period(s). Not all plans may be available in all states. Privacy Policy

Better Homes and Gardens® Real Estate, CENTURY 21®, Coldwell Banker®, Coldwell Banker Commercial®, Corcoran®, ERA® and Sotheby’s International Realty® are all related logos and service marks owned or licensed by Realogy Services Group LLC or its affiliated companies. Realogy Services Group LLC and their respective affiliates are not providing any product or service in connection with the member benefits and programs offered. Realogy Services Group LLC and its affiliates fully support the principals of the Fair Housing Act and the Equal Opportunity Act. Each franchise is independently owned and operated.