Arborworks, Inc. 401(k) Review & Grade
Arborworks, Inc. 401(k) Plan
Oakhurst, CAAdministrative, Support & Staffing Services556 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$821Employer $ per active participant
$2,298Employee $ saved per active participant
1.98%Direct admin cost, % of plan assets
$4.1MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity28.4 / 5057th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving8.4 / 1556th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 1th |
| Employee saving | 56th |
| Peers that auto-enroll | 27% |
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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 ($40,377 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Arborworks put in about $821 per active participant, more than the typical peer ($712). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 (1.98% 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 | $455,933 |
| Participant (employee) contributions | $1,276,283 |
| Other contributions (incl. rollovers in) | $147,968 |
| Administrative expenses paid from the plan | $66,758 |
| Investment advisory & management fees | $62,011 |
| Benefits paid out | $803,699 |
| Net assets, start / end of year | $2.7M / $4.1M |
| Active participants, start / end of year | 486 / 625 |
| Participants with account balances | 183 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jason Underwood CPA PLLC |
Largest service providers (Schedule C)
| Adp, Inc. | $51,837 reported compensation |
| Merrill Lynch Pierce Fenner & Smith | $15,069 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250802053338NAL0004235811001, received 2025-08-02, EIN 77-0615692, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.