Ailo Logistics 401(k) Review & Grade
Ailo Logistics 401(k) Plan
Compton, CATransportation & Warehousing568 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,230Employer $ per active participant
$268Employee $ saved per active participant
1.90%Direct admin cost, % of plan assets
$3.9MNet plan assets, end of year
$10,036Average balance per account
Score breakdown
- Employer generosity27.4 / 5055th percentile for employer $ per participant
- Low cost0.4 / 251th percentile for low admin cost vs. same-size plans
- Employee saving0.4 / 153th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 1th |
| Employee saving | 3th |
| 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
- Ailo Logistics put in about $1,230 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.
- Direct plan expenses (1.90% 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 | $698,246 |
| Participant (employee) contributions | $151,986 |
| Other contributions (incl. rollovers in) | $6,024 |
| Administrative expenses paid from the plan | $70,712 |
| Contract administrator fees | $13,795 |
| Investment advisory & management fees | $26,669 |
| Benefits paid out | $808,592 |
| Net assets, start / end of year | $3.5M / $3.9M |
| Active participants, start / end of year | 563 / 572 |
| Participants with account balances | 389 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bas Partners |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $32,297 reported compensation |
| Assured Partners Capital Inc | $22,853 reported compensation |
| Premier Retirement Partners | $13,795 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250711125538NAL0009613888001, received 2025-07-11, EIN 95-4287933, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.