Arbor Realty SR, Inc. 401(k) Review & Grade

Arbor Realty SR, Inc. 401(k) Retirement Plan

Uniondale, NYManagement of Companies662 active participantsPlan year 2024✓ Auto-enroll

Estimate from the plan's Form 5500 filing · How we grade

$2,101Employer $ per active participant

$10,199Employee $ saved per active participant

$0 reportedDirect admin cost, % of plan assets

$93.3MNet plan assets, end of year

$116,630Average balance per account

Score breakdown

Employer generosity20.8 / 50
42th percentile for employer $ per participant
Low cost12.5 / 25
No direct expenses reported, scored neutral
Employee saving12.4 / 15
82th percentile for employee $ per participant
Plan features10 / 10
Auto-enrollment, Default investment

Total score56 / 100 · Grade C

This plan vs. peers

Peers: Management of Companies plans with 500–2,499 active participants (172 plans).

Measure	Percentile
Employer $ per participant	42th
Lower admin cost	neutral
Employee saving	82th
Peers that auto-enroll	58%

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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

Arbor Realty SR put in about $2,101 per active participant, below the typical peer ($2,492). 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.
The plan reported no administrative expenses paid from plan assets. The employer may pay them, or the costs may be built into fund fees. Check your 404(a)(5) fee disclosure for each fund's expense ratio.
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	$1,391,174
Participant (employee) contributions	$6,751,776
Other contributions (incl. rollovers in)	$985,289
Administrative expenses paid from the plan	$0
Benefits paid out	$5,530,132
Net assets, start / end of year	$77.6M / $93.3M
Active participants, start / end of year	665 / 659
Participants with account balances	800
Auto-enrollment (feature code 2S)	Yes
Auditor	RSM US LLP

Largest service providers (Schedule C)

Empower Annuity Insurance Company O

$90,822 reported compensation

Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014103435NAL0003646784001, received 2025-10-14, EIN 20-2133699, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.