Air Transport International, Inc. 401(k) Review & Grade
Ati Flight Crew Member 401(k) Plan
Wilmington, OHTransportation & Warehousing562 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,431Employer $ per active participant
$9,580Employee $ saved per active participant
0.32%Direct admin cost, % of plan assets
$80.8MNet plan assets, end of year
$151,234Average balance per account
Score breakdown
- Employer generosity48.3 / 5097th percentile for employer $ per participant
- Low cost9.5 / 2538th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1595th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 38th |
| Employee saving | 95th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $534,754 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Air Transport International put in about $6,431 per active participant, more than the typical peer ($1,070). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $3,617,381 |
| Participant (employee) contributions | $5,388,985 |
| Other contributions (incl. rollovers in) | $467,473 |
| Administrative expenses paid from the plan | $249,206 |
| Investment advisory & management fees | $68,453 |
| Other admin expenses | $49,898 |
| Benefits paid out | $12,864,265 |
| Net assets, start / end of year | $74.5M / $80.8M |
| Active participants, start / end of year | 572 / 553 |
| Participants with account balances | 534 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Ins Co of America | $152,788 reported compensation |
| Morgan Stanley | $68,453 reported compensation |
| Moss Adams LLP | $27,965 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008105929NAL0005730625001, received 2025-10-08, EIN 46-0968635, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.