Artera Services, LLC 401(k) Review & Grade
Artera Services, LLC 401(k) Plan
Atlanta, GAConstruction3,606 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,515Employer $ per active participant
$5,273Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$234.0MNet plan assets, end of year
$46,124Average balance per account
Score breakdown
- Employer generosity28.7 / 5057th percentile for employer $ per participant
- Low cost8.4 / 2534th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 34th |
| Employee saving | 56th |
| Peers that auto-enroll | 57% |
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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
- Artera Services put in about $2,515 per active participant, more than the typical peer ($1,965). 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 (0.21% 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.
- 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 | $9,069,137 |
| Participant (employee) contributions | $19,011,015 |
| Other contributions (incl. rollovers in) | $1,414,034 |
| Administrative expenses paid from the plan | $466,910 |
| Contract administrator fees | $900 |
| Investment advisory & management fees | $59,704 |
| Other admin expenses | $37,500 |
| Benefits paid out | $38,612,059 |
| Net assets, start / end of year | $217.5M / $234.0M |
| Active participants, start / end of year | 3,569 / 3,642 |
| Participants with account balances | 5,073 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $358,706 reported compensation |
| Strategic Advisors, Inc. | $59,704 reported compensation |
| NFP | $37,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010081307NAL0007793665001, received 2025-10-10, EIN 46-1505840, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.