Aecom 401(k) Review & Grade
Aecom Retirement & Savings Plan
Dallas, TXProfessional, Scientific & Technical Services17,650 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,817Employer $ per active participant
$10,567Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$6.8BNet plan assets, end of year
$215,518Average balance per account
Score breakdown
- Employer generosity23.2 / 5046th percentile for employer $ per participant
- Low cost22.4 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 90th |
| Employee saving | 70th |
| Peers that auto-enroll | 39% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($7,974,832 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $228,842 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aecom put in about $2,817 per active participant, below the typical peer ($2,932). 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.
- 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 | $49,720,927 |
| Participant (employee) contributions | $186,499,725 |
| Other contributions (incl. rollovers in) | $24,537,379 |
| Administrative expenses paid from the plan | $1,462,573 |
| Investment advisory & management fees | $250,281 |
| Benefits paid out | $659,960,313 |
| Net assets, start / end of year | $6.2B / $6.8B |
| Active participants, start / end of year | 17,785 / 17,515 |
| Participants with account balances | 31,444 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
| Employer stock held by plan | $521,669,855 |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner and S | $2,850,898 reported compensation |
| Winston & Strawn | $169,834 reported compensation |
| Nepc | $127,898 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929151238NAL0011462225001, received 2025-09-29, EIN 61-1088522, plan #055, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.