Acquia, Inc. 401(k) Review & Grade
Acquia, Inc. 401(k) Plan
Boston, MAProfessional, Scientific & Technical Services544 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$893Employer $ per active participant
$12,397Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$79.5MNet plan assets, end of year
$86,488Average balance per account
Score breakdown
- Employer generosity9.1 / 5018th percentile for employer $ per participant
- Low cost12.4 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving11.5 / 1577th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score33 / 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 | 18th |
| Lower admin cost | 49th |
| Employee saving | 77th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,091 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Acquia put in about $893 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.
- 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 | $485,128 |
| Participant (employee) contributions | $6,737,723 |
| Other contributions (incl. rollovers in) | $1,011,972 |
| Administrative expenses paid from the plan | $173,919 |
| Investment advisory & management fees | $95,769 |
| Benefits paid out | $8,747,495 |
| Net assets, start / end of year | $69.1M / $79.5M |
| Active participants, start / end of year | 573 / 514 |
| Participants with account balances | 919 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Onedigital Investment Advisors LLC | $95,769 reported compensation |
| Fidelity Investments Institutional | $78,150 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250725132557NAL0007485024001, received 2025-07-25, EIN 26-0493001, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.