Arlington Properties, LLC 401(k) Review & Grade
Arlington Holding Company 401(k) Plan
Birmingham, ALReal Estate & Rental693 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,014Employer $ per active participant
$3,366Employee $ saved per active participant
0.66%Direct admin cost, % of plan assets
$17.1MNet plan assets, end of year
$21,843Average balance per account
Score breakdown
- Employer generosity20.7 / 5041th percentile for employer $ per participant
- Low cost3.7 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score36 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 41th |
| Lower admin cost | 15th |
| Employee saving | 47th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Arlington Properties put in about $1,014 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 (0.66% 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 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 | $702,360 |
| Participant (employee) contributions | $2,332,462 |
| Other contributions (incl. rollovers in) | $186,215 |
| Administrative expenses paid from the plan | $99,651 |
| Contract administrator fees | $99,651 |
| Benefits paid out | $1,139,073 |
| Net assets, start / end of year | $13.3M / $17.1M |
| Active participants, start / end of year | 654 / 732 |
| Participants with account balances | 782 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Haynes Downard LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $99,651 reported compensation |
| Gallagher Fiduciary Advisors, LLC | $26,207 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003122916NAL0000803747001, received 2025-10-03, EIN 59-2374120, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.