Aaa Washington 401(k) Review & Grade
Aaa Washington 401(k) Savings Plan
Bellevue, WATransportation & Warehousing580 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,979Employer $ per active participant
$7,696Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$86.9MNet plan assets, end of year
$114,298Average balance per account
Score breakdown
- Employer generosity45.1 / 5090th percentile for employer $ per participant
- Low cost22.5 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 90th |
| Employee saving | 90th |
| Peers that auto-enroll | 37% |
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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
- Aaa Washington put in about $3,979 per active participant, more than the typical peer ($1,070). 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 | $2,310,063 |
| Participant (employee) contributions | $4,467,716 |
| Other contributions (incl. rollovers in) | $456,251 |
| Administrative expenses paid from the plan | $34,900 |
| Investment advisory & management fees | $21,373 |
| Benefits paid out | $12,901,650 |
| Net assets, start / end of year | $80.3M / $86.9M |
| Active participants, start / end of year | 573 / 588 |
| Participants with account balances | 760 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Clark Nuber P.S. |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $21,373 reported compensation |
| Fidelity Investments Institutional | $13,527 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730144547NAL0002454643001, received 2025-07-30, EIN 91-0133300, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.