The Arcticom Group, LLC 401(k) Review & Grade
The Arcticom Group, LLC 401(k) Plan
Walnut Creek, CAConstruction1,704 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$916Employer $ per active participant
$2,535Employee $ saved per active participant
0.55%Direct admin cost, % of plan assets
$36.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity14.5 / 5029th percentile for employer $ per participant
- Low cost5.0 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving4.6 / 1531th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 20th |
| Employee saving | 31th |
| Peers that auto-enroll | 44% |
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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 ($679,003 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Arcticom Group put in about $916 per active participant, below the typical peer ($1,672). 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.
- Direct plan expenses (0.55% of assets) are well above similar-size plans (0.23%). 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 | $1,561,663 |
| Participant (employee) contributions | $4,319,787 |
| Other contributions (incl. rollovers in) | $389,286 |
| Administrative expenses paid from the plan | $184,840 |
| Contract administrator fees | $184,840 |
| Benefits paid out | $3,854,449 |
| Net assets, start / end of year | $29.9M / $36.9M |
| Active participants, start / end of year | 1,694 / 1,714 |
| Participants with account balances | 777 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Coker and Company LLC |
Largest service providers (Schedule C)
| Empower Annuity Ins Co of America | $140,573 reported compensation |
| Morgan Stanley | $72,534 reported compensation |
| Empower Advisory Group | $38,850 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260820170706NAL0017539313001, received 2026-08-20, EIN 82-1463967, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.