Arm, Inc. 401(k) Review & Grade
Arm, Inc. 401(k) Savings Plan
Austin, TXManufacturing1,442 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$13,089Employer $ per active participant
$25,354Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$533.1MNet plan assets, end of year
$256,072Average balance per account
Score breakdown
- Employer generosity49.4 / 5099th percentile for employer $ per participant
- Low cost22.2 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving15.0 / 15100th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score94 / 100 · Grade A
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 89th |
| Employee saving | 100th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $187,619 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Arm put in about $13,089 per active participant, more than the typical peer ($2,320). 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 | $18,881,138 |
| Participant (employee) contributions | $36,573,648 |
| Other contributions (incl. rollovers in) | $4,364,855 |
| Administrative expenses paid from the plan | $216,549 |
| Investment advisory & management fees | $74,625 |
| Benefits paid out | $27,986,991 |
| Net assets, start / end of year | $429.4M / $533.1M |
| Active participants, start / end of year | 1,346 / 1,539 |
| Participants with account balances | 2,082 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Maxwell Locke & Ritter |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $147,911 reported compensation |
| Capfinancial Partners LLC | $60,383 reported compensation |
| Morningstar Inc | $10,336 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010125727NAL0004627395002, received 2025-10-10, EIN 98-0443443, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.