Atlas Technical Consultants, LLC 401(k) Review & Grade
Atlas Technical Consultants 401(k) Plan
Austin, TXConstruction3,522 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,004Employer $ per active participant
$6,035Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$326.3MNet plan assets, end of year
$71,645Average balance per account
Score breakdown
- Employer generosity35.3 / 5071th percentile for employer $ per participant
- Low cost7.5 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving9.4 / 1563th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 30th |
| Employee saving | 63th |
| Peers that auto-enroll | 57% |
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
Late deposits: the filing says some employee contributions were not sent to the plan on time ($20,212,899 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
- Atlas Technical Consultants put in about $3,004 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 (0.23% 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $10,579,734 |
| Participant (employee) contributions | $21,251,580 |
| Other contributions (incl. rollovers in) | $2,604,842 |
| Administrative expenses paid from the plan | $702,892 |
| Contract administrator fees | $407,856 |
| Investment advisory & management fees | $140,480 |
| Benefits paid out | $39,966,788 |
| Net assets, start / end of year | $289.5M / $326.3M |
| Active participants, start / end of year | 3,537 / 3,506 |
| Participants with account balances | 4,554 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Ameritas Life Insurance Corp | $410,977 reported compensation |
| Baker Tilly Virchow Krause, LLP | $90,914 reported compensation |
| RPS Retirement Plan Advisors | $60,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014112125NAL0005665746001, received 2025-10-14, EIN 82-2810953, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.