Architectural Graphics, Inc. 401(k) Review & Grade
Agi 401(k) Plan
Virginia Beach, VAProfessional, Scientific & Technical Services1,038 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,576Employer $ per active participant
$5,614Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$60.0MNet plan assets, end of year
$42,857Average balance per account
Score breakdown
- Employer generosity21.3 / 5043th percentile for employer $ per participant
- Low cost7.1 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 43th |
| Lower admin cost | 28th |
| Employee saving | 28th |
| Peers that auto-enroll | 48% |
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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
- Architectural Graphics put in about $2,576 per active participant, below the typical peer ($3,082). 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.
- Direct plan expenses (0.43% of assets) are well above similar-size plans (0.23%). 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.
- 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 | $2,675,607 |
| Participant (employee) contributions | $5,830,374 |
| Other contributions (incl. rollovers in) | $639,003 |
| Administrative expenses paid from the plan | $234,800 |
| Contract administrator fees | $230,550 |
| Other admin expenses | $4,250 |
| Benefits paid out | $4,408,885 |
| Net assets, start / end of year | $50.2M / $60.0M |
| Active participants, start / end of year | 1,043 / 1,034 |
| Participants with account balances | 1,401 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Anthony a Feher, CPA PC |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $234,882 reported compensation |
| Ubs Financial Services Inc | $107,685 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260217123843NAL0007288739001, received 2026-02-17, EIN 54-0852946, plan #001, plan year 2024-05-01 to 2025-04-30. Verify at efast.dol.gov.