Arrivia, Inc. 401(k) Review & Grade
Arrivia, Inc. 401(k) Plan
Scottsdale, AZAdministrative, Support & Staffing Services578 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$758Employer $ per active participant
$6,075Employee $ saved per active participant
1.11%Direct admin cost, % of plan assets
$29.9MNet plan assets, end of year
$32,980Average balance per account
Score breakdown
- Employer generosity26.3 / 5052th percentile for employer $ per participant
- Low cost1.3 / 255th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score50 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 5th |
| Employee saving | 85th |
| Peers that auto-enroll | 27% |
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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
- Arrivia put in about $758 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 (1.11% 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 | $438,416 |
| Participant (employee) contributions | $3,514,371 |
| Other contributions (incl. rollovers in) | $39,832 |
| Administrative expenses paid from the plan | $318,870 |
| Contract administrator fees | $236,222 |
| Investment advisory & management fees | $76,358 |
| Other admin expenses | $6,290 |
| Benefits paid out | $5,317,645 |
| Net assets, start / end of year | $27.6M / $29.9M |
| Active participants, start / end of year | 656 / 501 |
| Participants with account balances | 907 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Curafin Advisors, LLC | $71,742 reported compensation |
| Curafin Advisors | $45,394 reported compensation |
| Matthews, Gold, Kennedy & Snow Inc | $25,138 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014134948NAL0003069521001, received 2025-10-14, EIN 86-0833522, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.