Arc Document Solutions, Inc 401(k) Review & Grade
Arc Document Solutions 401(k) Plan
San Ramon, CAManufacturing1,252 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$396Employer $ per active participant
$3,399Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$111.8MNet plan assets, end of year
$76,807Average balance per account
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost14.3 / 2557th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 57th |
| Employee saving | 28th |
| Peers that auto-enroll | 59% |
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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
- Arc Document Solutions put in about $396 per active participant, below the typical peer ($2,320). 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.
- 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 | $495,611 |
| Participant (employee) contributions | $4,254,293 |
| Other contributions (incl. rollovers in) | $613,281 |
| Administrative expenses paid from the plan | $195,343 |
| Investment advisory & management fees | $97,500 |
| Benefits paid out | $13,085,642 |
| Net assets, start / end of year | $103.0M / $111.8M |
| Active participants, start / end of year | 1,284 / 1,219 |
| Participants with account balances | 1,455 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Miller Kaplan Arase LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $109,343 reported compensation |
| Focus Operating LLC | $97,500 reported compensation |
| Seequelle Partners Inc | $10,885 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009103158NAL0010771040001, received 2025-10-09, EIN 20-1700361, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.