Invesco Holding Company (US), Inc. 401(k) Review & Grade
Invesco 401(k) Plan
Atlanta, GAFinance & Insurance3,202 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$12,000Employer $ per active participant
$16,191Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$1.9BNet plan assets, end of year
$398,685Average balance per account
Score breakdown
- Employer generosity46.0 / 5092th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving14.2 / 1595th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score92 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 98th |
| Employee saving | 95th |
| Peers that auto-enroll | 66% |
Red flags from the filing
Corrective distributions: the plan refunded $51,364 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Invesco Holding Company (US) put in about $12,000 per active participant, more than the typical peer ($4,489). 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 | $38,428,405 |
| Participant (employee) contributions | $51,851,855 |
| Other contributions (incl. rollovers in) | $7,642,852 |
| Administrative expenses paid from the plan | $151,260 |
| Benefits paid out | $163,122,667 |
| Net assets, start / end of year | $1.8B / $1.9B |
| Active participants, start / end of year | 3,257 / 3,148 |
| Participants with account balances | 4,891 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pricewaterhousecoopers |
| Employer stock held by plan | $4,090,689 |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $151,169 reported compensation |
| Financial Engines Advisors LLC | $15,065 reported compensation |
| Merit Financial Advisors | $14,350 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917111228NAL0000535426003, received 2025-09-17, EIN 58-2287224, plan #010, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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