Acousti Engineering Company of Florida 401(k) Review & Grade
Acousti Engineering Company of Florida 401(k) Plan
Orlando, FLConstruction544 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$573Employer $ per active participant
$1,900Employee $ saved per active participant
0.35%Direct admin cost, % of plan assets
$35.4MNet plan assets, end of year
$88,525Average balance per account
Score breakdown
- Employer generosity9.0 / 5018th percentile for employer $ per participant
- Low cost8.7 / 2535th percentile for low admin cost vs. same-size plans
- Employee saving3.0 / 1520th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 18th |
| Lower admin cost | 35th |
| Employee saving | 20th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,350 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Acousti Engineering Company of Florida put in about $573 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 (0.35% 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.
- 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 | $311,314 |
| Participant (employee) contributions | $1,032,847 |
| Other contributions (incl. rollovers in) | $71,212 |
| Administrative expenses paid from the plan | $121,052 |
| Investment advisory & management fees | $80,000 |
| Benefits paid out | $4,376,469 |
| Net assets, start / end of year | $33.0M / $35.4M |
| Active participants, start / end of year | 544 / 543 |
| Participants with account balances | 400 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rehmann Robson, LLC |
Largest service providers (Schedule C)
| Northwestern Mutual Wealth Mgmt Co | $80,000 reported compensation |
| Capital Group Retirement Plan Svcs. | $41,052 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260812085923NAL0010246064001, received 2026-08-12, EIN 59-0543535, plan #004, plan year 2024-11-01 to 2025-10-31. Verify at efast.dol.gov.