Avison Young (USA) Inc. 401(k) Review & Grade
Avison Young (US) 401(k) Plan
Chicago, ILReal Estate & Rental1,446 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,146Employer $ per active participant
$7,739Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$136.7MNet plan assets, end of year
$92,182Average balance per account
Score breakdown
- Employer generosity41.7 / 5083th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 59th |
| Employee saving | 88th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $581 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Avison Young (USA) put in about $3,146 per active participant, more than the typical peer ($1,279). 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.
- 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 | $4,547,155 |
| Participant (employee) contributions | $11,186,879 |
| Other contributions (incl. rollovers in) | $2,032,653 |
| Administrative expenses paid from the plan | $216,163 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $70,000 |
| Benefits paid out | $15,261,331 |
| Net assets, start / end of year | $116.8M / $136.7M |
| Active participants, start / end of year | 1,490 / 1,401 |
| Participants with account balances | 1,483 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Benefit Audit Group, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $146,163 reported compensation |
| Creative Planning LLC | $52,500 reported compensation |
| Mesirow Financial Inc | $17,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002103740NAL0000280467001, received 2025-10-02, EIN 26-4204707, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.