Agile Defense LLC 401(k) Review & Grade
Agile Defense LLC 401(k) Plan
Mclean, VAProfessional, Scientific & Technical Services2,228 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,338Employer $ per active participant
$3,772Employee $ saved per active participant
0.22%Direct admin cost, % of plan assets
$75.7MNet plan assets, end of year
$54,179Average balance per account
Score breakdown
- Employer generosity19.4 / 5039th percentile for employer $ per participant
- Low cost12.9 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score35 / 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 | 39th |
| Lower admin cost | 51th |
| Employee saving | 19th |
| 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
- Agile Defense put in about $2,338 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 | $5,210,060 |
| Participant (employee) contributions | $8,406,925 |
| Other contributions (incl. rollovers in) | $4,699,857 |
| Administrative expenses paid from the plan | $138,120 |
| Benefits paid out | $8,902,737 |
| Net assets, start / end of year | $50.6M / $75.7M |
| Active participants, start / end of year | 1,982 / 2,475 |
| Participants with account balances | 1,398 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Betterment for Business, LLC | $138,120 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015143309NAL0006438864001, received 2025-10-15, EIN 52-2126678, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.