Athens Services 401(k) Review & Grade
Athens Services 401(k) Profit Sharing Plan
City of Industry, CAAdministrative, Support & Staffing Services2,270 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,045Employer $ per active participant
$4,248Employee $ saved per active participant
0.30%Direct admin cost, % of plan assets
$121.9MNet plan assets, end of year
$57,333Average balance per account
Score breakdown
- Employer generosity44.6 / 5089th percentile for employer $ per participant
- Low cost10.0 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving10.9 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 89th |
| Lower admin cost | 40th |
| Employee saving | 72th |
| Peers that auto-enroll | 27% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $2,869 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Athens Services put in about $3,045 per active participant, more than the typical peer ($712). 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.
- 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 | $6,913,371 |
| Participant (employee) contributions | $9,645,111 |
| Other contributions (incl. rollovers in) | $1,203,067 |
| Administrative expenses paid from the plan | $344,230 |
| Contract administrator fees | $29,196 |
| Investment advisory & management fees | $101,320 |
| Benefits paid out | $12,309,406 |
| Net assets, start / end of year | $105.7M / $121.9M |
| Active participants, start / end of year | 2,173 / 2,368 |
| Participants with account balances | 2,127 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | LSL, LLP |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $173,447 reported compensation |
| Rpa Financial LLC | $101,320 reported compensation |
| Futureplan by Ascensus | $57,214 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015160316NAL0006864560001, received 2025-10-15, EIN 95-4313271, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.