Stvt-Aai Education, Inc 401(k) Review & Grade
Ancora 401(k) Plan
Arlington, TXEducational Services1,403 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$611Employer $ per active participant
$1,980Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$13.8MNet plan assets, end of year
$10,200Average balance per account
Score breakdown
- Employer generosity10.8 / 5022th percentile for employer $ per participant
- Low cost13.0 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 22th |
| Lower admin cost | 52th |
| Employee saving | 34th |
| Peers that auto-enroll | 37% |
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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 ($462,490 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $68,135 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Stvt-Aai Education put in about $611 per active participant, below the typical peer ($1,225). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $857,744 |
| Participant (employee) contributions | $2,777,412 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $25,591 |
| Other admin expenses | $125 |
| Benefits paid out | $1,212,005 |
| Net assets, start / end of year | $10.1M / $13.8M |
| Active participants, start / end of year | 1,414 / 1,392 |
| Participants with account balances | 1,349 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mclinktock & Associates, PC |
Largest service providers (Schedule C)
| Bokf, NA | $27,991 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015125443NAL0006319104001, received 2025-10-15, EIN 46-1749258, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.