Apollo, Inc. 401(k) Review & Grade
Apollo, Inc. 401(k) Profit Sharing Plan
Kennewick, WAConstruction543 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,135Employer $ per active participant
$7,897Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$71.7MNet plan assets, end of year
$96,184Average balance per account
Score breakdown
- Employer generosity43.0 / 5086th percentile for employer $ per participant
- Low cost9.9 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 40th |
| Employee saving | 86th |
| Peers that auto-enroll | 44% |
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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
- Apollo put in about $4,135 per active participant, more than the typical peer ($1,672). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $2,245,207 |
| Participant (employee) contributions | $4,288,053 |
| Other contributions (incl. rollovers in) | $368,321 |
| Administrative expenses paid from the plan | $205,777 |
| Contract administrator fees | $29,137 |
| Investment advisory & management fees | $96,833 |
| Benefits paid out | $5,928,983 |
| Net assets, start / end of year | $62.2M / $71.7M |
| Active participants, start / end of year | 528 / 558 |
| Participants with account balances | 745 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Aldrich Cpas and Advisors LLP |
Largest service providers (Schedule C)
| HFG Trust LLC | $96,092 reported compensation |
| Randall & Hurley, Inc. | $64,908 reported compensation |
| Empower Annuity Ins. Co of America | $26,920 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260311073906NAL0005139459001, received 2026-03-11, EIN 91-1636892, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.