Ahern Rentals, Inc. 401(k) Review & Grade
Ahern 401(k) Retirement Plan
Las Vegas, NVReal Estate & Rental607 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$256Employer $ per active participant
$1,824Employee $ saved per active participant
0.56%Direct admin cost, % of plan assets
$17.6MNet plan assets, end of year
$40,002Average balance per account
Score breakdown
- Employer generosity5.0 / 5010th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving3.3 / 1522th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score3 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 10th |
| Lower admin cost | 20th |
| Employee saving | 22th |
| Peers that auto-enroll | 47% |
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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 ($7,399 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $50,465 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ahern Rentals put in about $256 per active participant, below the typical peer ($1,279). 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.
- Direct plan expenses (0.56% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $155,438 |
| Participant (employee) contributions | $1,106,906 |
| Other contributions (incl. rollovers in) | $166,433 |
| Administrative expenses paid from the plan | $104,013 |
| Investment advisory & management fees | $44,825 |
| Other admin expenses | $4,434 |
| Benefits paid out | $5,594,725 |
| Net assets, start / end of year | $19.8M / $17.6M |
| Active participants, start / end of year | 586 / 628 |
| Participants with account balances | 440 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | BPM LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $58,340 reported compensation |
| The Investment Counsel Company of N | $41,239 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015171801NAL0002804883001, received 2025-10-15, EIN 88-0381960, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.