Ags LLC 401(k) Review & Grade
Ags LLC 401(k) Plan
Las Vegas, NVManufacturing667 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,437Employer $ per active participant
$7,733Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$60.8MNet plan assets, end of year
$89,313Average balance per account
Score breakdown
- Employer generosity34.2 / 5068th percentile for employer $ per participant
- Low cost20.8 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 83th |
| Employee saving | 79th |
| Peers that auto-enroll | 59% |
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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
- Ags put in about $3,437 per active participant, more than the typical peer ($2,320). 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 | $2,292,530 |
| Participant (employee) contributions | $5,157,644 |
| Other contributions (incl. rollovers in) | $467,286 |
| Administrative expenses paid from the plan | $34,888 |
| Investment advisory & management fees | $17,268 |
| Benefits paid out | $3,026,947 |
| Net assets, start / end of year | $48.6M / $60.8M |
| Active participants, start / end of year | 651 / 683 |
| Participants with account balances | 681 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ellsworth & Stout, LLC |
| Employer stock held by plan | $143,455 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $17,619 reported compensation |
| Strategic Advisors, Inc. | $17,268 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250811184456NAL0004075251001, received 2025-08-11, EIN 20-2746691, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.