Ati Holdings, LLC 401(k) Review & Grade
Ati Holdings, LLC 401(k) Profit Sharing Plan
Downers Grove, ILHealth Care & Social Assistance6,616 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$829Employer $ per active participant
$3,307Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$274.4MNet plan assets, end of year
$56,446Average balance per account
Score breakdown
- Employer generosity25.2 / 5050th percentile for employer $ per participant
- Low cost7.4 / 2530th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 2,500–9,999 active participants (312 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 50th |
| Lower admin cost | 30th |
| Employee saving | 55th |
| Peers that auto-enroll | 38% |
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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 ($989 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $124,961 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ati Holdings put in about $829 per active participant, more than the typical peer ($800). 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 (0.23% of assets) are well above similar-size plans (0.12%). 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 | $5,487,899 |
| Participant (employee) contributions | $21,877,673 |
| Other contributions (incl. rollovers in) | $2,857,865 |
| Administrative expenses paid from the plan | $580,718 |
| Contract administrator fees | $523,607 |
| Investment advisory & management fees | $25,000 |
| Benefits paid out | $20,040,453 |
| Net assets, start / end of year | $228.2M / $274.4M |
| Active participants, start / end of year | 6,396 / 6,837 |
| Participants with account balances | 4,861 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $532,232 reported compensation |
| Crowe LLP | $32,125 reported compensation |
| Captial Stratagies Inves | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003102024NAL0000783971001, received 2025-10-03, EIN 20-0619466, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.