Arcwood Environmental, LLC 401(k) Review & Grade
Heritage Environmental Services, LLC Retirement Savings Plan
Indianapolis, INAdministrative, Support & Staffing Services988 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,558Employer $ per active participant
$5,996Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$222.9MNet plan assets, end of year
$120,485Average balance per account
Score breakdown
- Employer generosity47.5 / 5095th percentile for employer $ per participant
- Low cost21.1 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score91 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 95th |
| Lower admin cost | 84th |
| Employee saving | 84th |
| Peers that auto-enroll | 27% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Arcwood Environmental put in about $4,558 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.
- 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 | $4,505,657 |
| Participant (employee) contributions | $5,926,887 |
| Other contributions (incl. rollovers in) | $931,510 |
| Administrative expenses paid from the plan | $81,240 |
| Investment advisory & management fees | $21,789 |
| Benefits paid out | $20,639,758 |
| Net assets, start / end of year | $48.4M / $222.9M |
| Active participants, start / end of year | 183 / 1,794 |
| Participants with account balances | 1,850 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pile Cpas |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $59,300 reported compensation |
| Empower Advisory Group, LLC | $21,789 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006122647NAL0003404513001, received 2025-10-06, EIN 35-2044218, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.