Ai Sky US Bidco, Inc. 401(k) Review & Grade
Xplor Retirement Plan
Washington, DCProfessional, Scientific & Technical Services1,082 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,520Employer $ per active participant
$5,484Employee $ saved per active participant
0.47%Direct admin cost, % of plan assets
$49.3MNet plan assets, end of year
$51,200Average balance per account
Score breakdown
- Employer generosity20.9 / 5042th percentile for employer $ per participant
- Low cost6.2 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving4.1 / 1527th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 25th |
| Employee saving | 27th |
| Peers that auto-enroll | 48% |
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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 ($842,033 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $58,291 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ai Sky US Bidco put in about $2,520 per active participant, below the typical peer ($3,082). 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 (0.47% 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 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 | $2,726,978 |
| Participant (employee) contributions | $5,933,456 |
| Other contributions (incl. rollovers in) | $1,296,948 |
| Administrative expenses paid from the plan | $213,553 |
| Investment advisory & management fees | $83,656 |
| Other admin expenses | $151 |
| Benefits paid out | $6,968,932 |
| Net assets, start / end of year | $40.7M / $49.3M |
| Active participants, start / end of year | 1,090 / 1,074 |
| Participants with account balances | 962 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $87,496 reported compensation |
| Correct Capital Wealth Management | $77,705 reported compensation |
| SFW Partners, LLC | $24,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250924083103NAL0007859984001, received 2025-09-24, EIN 84-3610328, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.