Interior Architects Inc. 401(k) Review & Grade
Ia 401(k) Plan
San Francisco, CAProfessional, Scientific & Technical Services538 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1Employer $ per active participant
$11,031Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$80.9MNet plan assets, end of year
$92,495Average balance per account
Score breakdown
- Employer generosity2.2 / 504th percentile for employer $ per participant
- Low cost21.1 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving10.1 / 1567th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score43 / 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 | 4th |
| Lower admin cost | 84th |
| Employee saving | 67th |
| 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
- Interior Architects put in about $1 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.
- 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 | $418 |
| Participant (employee) contributions | $5,934,872 |
| Other contributions (incl. rollovers in) | $1,750,401 |
| Administrative expenses paid from the plan | $44,531 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $8,084 |
| Benefits paid out | $6,220,812 |
| Net assets, start / end of year | $68.8M / $80.9M |
| Active participants, start / end of year | 543 / 533 |
| Participants with account balances | 875 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $36,447 reported compensation |
| Strategic Advisors, Inc. | $8,084 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250922091247NAL0006483651001, received 2025-09-22, EIN 95-3935823, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.