Ahtna, Incorporated 401(k) Review & Grade
Ahtna 401(k) Plan
Anchorage, AKAdministrative, Support & Staffing Services542 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,115Employer $ per active participant
$8,655Employee $ saved per active participant
0.31%Direct admin cost, % of plan assets
$56.8MNet plan assets, end of year
$75,743Average balance per account
Score breakdown
- Employer generosity44.9 / 5090th percentile for employer $ per participant
- Low cost9.8 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving14.0 / 1593th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 39th |
| Employee saving | 93th |
| Peers that auto-enroll | 27% |
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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 ($5,963 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $160,513 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ahtna, Incorporated put in about $3,115 per active participant, more than the typical peer ($712). 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.
- 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 | $1,689,976 |
| Participant (employee) contributions | $4,695,181 |
| Other contributions (incl. rollovers in) | $3,497,308 |
| Administrative expenses paid from the plan | $163,929 |
| Investment advisory & management fees | $59,558 |
| Other admin expenses | $10 |
| Benefits paid out | $7,624,863 |
| Net assets, start / end of year | $48.6M / $56.8M |
| Active participants, start / end of year | 512 / 573 |
| Participants with account balances | 750 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Swalling & Associates, P.C. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $104,361 reported compensation |
| Robert W Baird & Co Incorporated | $33,088 reported compensation |
| Empower Advisory Group, LLC | $26,470 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919192350NAL0003009392001, received 2025-09-19, EIN 92-0042242, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.