Aops Incorporated 401(k) Review & Grade
Art of Problem Solving Retirement Plan
San Diego, CAEducational Services1,038 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,087Employer $ per active participant
$2,692Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$17.6MNet plan assets, end of year
$32,651Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost12.8 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 51th |
| Employee saving | 52th |
| Peers that auto-enroll | 37% |
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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
- Aops Incorporated put in about $1,087 per active participant, below the typical peer ($1,225). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $1,128,629 |
| Participant (employee) contributions | $2,793,966 |
| Other contributions (incl. rollovers in) | $889,047 |
| Administrative expenses paid from the plan | $32,031 |
| Contract administrator fees | $5,031 |
| Investment advisory & management fees | $27,000 |
| Benefits paid out | $746,138 |
| Net assets, start / end of year | $11.3M / $17.6M |
| Active participants, start / end of year | 922 / 1,154 |
| Participants with account balances | 538 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PKF San Diego LLP |
Largest service providers (Schedule C)
| First Citizens Bank & Trust. | $27,000 reported compensation |
| The Vanguard Group, Inc. | $5,031 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250724152110NAL0005737665001, received 2025-07-24, EIN 42-1590936, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.