Embraer Aircraft Holding, Inc. 401(k) Review & Grade
Embraer Aircraft Holding, Inc. 401(k) Retirement Plan
FT. Lauderdale, FLOther Services2,157 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,517Employer $ per active participant
$6,052Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$204.6MNet plan assets, end of year
$76,846Average balance per account
Score breakdown
- Employer generosity44.1 / 5088th percentile for employer $ per participant
- Low cost15.5 / 2562th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 88th |
| Lower admin cost | 62th |
| Employee saving | 82th |
| Peers that auto-enroll | 40% |
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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
- Embraer Aircraft Holding put in about $4,517 per active participant, more than the typical peer ($1,257). 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.
- 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 | $9,744,109 |
| Participant (employee) contributions | $13,053,309 |
| Other contributions (incl. rollovers in) | $1,423,286 |
| Administrative expenses paid from the plan | $300,812 |
| Investment advisory & management fees | $70,019 |
| Other admin expenses | $180,014 |
| Benefits paid out | $20,983,610 |
| Net assets, start / end of year | $177.8M / $204.6M |
| Active participants, start / end of year | 2,097 / 2,217 |
| Participants with account balances | 2,662 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Winston & Strawn LLP | $70,019 reported compensation |
| Merrill Lynch, Pierce, Fenner and S | $50,779 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014083221NAL0005075122001, received 2025-10-14, EIN 65-1156742, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.