Amb Group, LLC 401(k) Review & Grade
Bfob 401(k) Plan
Atlanta, GAArts, Entertainment & Recreation1,264 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,558Employer $ per active participant
$4,530Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$93.5MNet plan assets, end of year
$85,974Average balance per account
Score breakdown
- Employer generosity46.7 / 5093th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Arts, Entertainment & Recreation plans with 500–2,499 active participants (225 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 43th |
| Employee saving | 85th |
| Peers that auto-enroll | 38% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Amb Group put in about $3,558 per active participant, more than the typical peer ($995). 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 | $4,498,678 |
| Participant (employee) contributions | $5,728,688 |
| Other contributions (incl. rollovers in) | $1,452,862 |
| Administrative expenses paid from the plan | $240,651 |
| Investment advisory & management fees | $101,982 |
| Benefits paid out | $7,604,153 |
| Net assets, start / end of year | $78.9M / $93.5M |
| Active participants, start / end of year | 1,417 / 1,112 |
| Participants with account balances | 1,087 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bennett Thrasher |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $116,094 reported compensation |
| Gallagher Fiduciary Advisors | $101,982 reported compensation |
| Bennett Thrasher | $22,575 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015121900NAL0009177650002, received 2025-10-15, EIN 58-2602226, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.