Aptive Environmental, LLC 401(k) Review & Grade
Aptive Environmental 401(k) Plan
Provo, UTAdministrative, Support & Staffing Services3,210 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$564Employer $ per active participant
$933Employee $ saved per active participant
0.66%Direct admin cost, % of plan assets
$14.4MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity29.0 / 5058th percentile for employer $ per participant
- Low cost2.1 / 258th percentile for low admin cost vs. same-size plans
- Employee saving6.2 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 8th |
| Employee saving | 41th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($643 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Aptive Environmental put in about $564 per active participant, more than the typical peer ($342). 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.
- Direct plan expenses (0.66% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,811,061 |
| Participant (employee) contributions | $2,993,598 |
| Other contributions (incl. rollovers in) | $54,022 |
| Administrative expenses paid from the plan | $78,754 |
| Investment advisory & management fees | $49,066 |
| Benefits paid out | $1,130,355 |
| Net assets, start / end of year | $9.4M / $14.4M |
| Active participants, start / end of year | 2,218 / 4,202 |
| Participants with account balances | 647 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Onedigital Investment Advisors LLC | $46,961 reported compensation |
| Empower Annuity Insurance Company O | $29,688 reported compensation |
| Resources Investment Advisors, LLC | $2,105 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007140325NAL0002729315001, received 2025-10-07, EIN 47-5551416, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.