Airbus Americas, Inc. 401(k) Review & Grade
Airbus Americas, Inc. 401(k) Savings Plan
Herndon, VAReal Estate & Rental1,556 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$12,923Employer $ per active participant
$12,921Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$443.5MNet plan assets, end of year
$220,556Average balance per account
Score breakdown
- Employer generosity49.8 / 50100th percentile for employer $ per participant
- Low cost22.5 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving14.7 / 1598th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 100th |
| Lower admin cost | 90th |
| Employee saving | 98th |
| Peers that auto-enroll | 47% |
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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 ($448,395 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $6,111 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Airbus Americas put in about $12,923 per active participant, more than the typical peer ($1,279). 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 | $20,101,875 |
| Participant (employee) contributions | $20,098,214 |
| Other contributions (incl. rollovers in) | $6,577,030 |
| Administrative expenses paid from the plan | $172,370 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $116,015 |
| Benefits paid out | $37,449,822 |
| Net assets, start / end of year | $378.9M / $443.5M |
| Active participants, start / end of year | 1,464 / 1,647 |
| Participants with account balances | 2,011 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $116,015 reported compensation |
| Fidelity Investments Institutional | $56,405 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014182518NAL0007119586001, received 2025-10-14, EIN 13-3243459, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.