Attentive Mobile Inc. 401(k) Review & Grade
Attentive Mobile 401(k) Plan
Hoboken, NJProfessional, Scientific & Technical Services554 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,999Employer $ per active participant
$22,302Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$67.5MNet plan assets, end of year
$148,941Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost21.2 / 2585th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 1599th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 85th |
| Employee saving | 99th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,831 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Attentive Mobile put in about $2,999 per active participant, below the typical peer ($3,082). 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.
- 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 | $1,661,518 |
| Participant (employee) contributions | $12,355,514 |
| Other contributions (incl. rollovers in) | $4,887,039 |
| Administrative expenses paid from the plan | $33,567 |
| Contract administrator fees | $300 |
| Benefits paid out | $6,068,616 |
| Net assets, start / end of year | $46.5M / $67.5M |
| Active participants, start / end of year | 959 / 149 |
| Participants with account balances | 453 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisneramper LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $33,567 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015112839NAL0002217139001, received 2025-10-15, EIN 81-3899446, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.