All Aboard America! Holdings, Inc. 401(k) Review & Grade
All Aboard America! Holdings, Inc. 401(k) Plan
Lakewood, COTransportation & Warehousing1,439 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,637Employer $ per active participant
$2,397Employee $ saved per active participant
0.62%Direct admin cost, % of plan assets
$33.2MNet plan assets, end of year
$35,232Average balance per account
Score breakdown
- Employer generosity40.3 / 5081th percentile for employer $ per participant
- Low cost4.1 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1539th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 16th |
| Employee saving | 39th |
| 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
- All Aboard America! Holdings put in about $2,637 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 (0.62% 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 | $3,794,941 |
| Participant (employee) contributions | $3,449,886 |
| Other contributions (incl. rollovers in) | $253,151 |
| Administrative expenses paid from the plan | $188,633 |
| Investment advisory & management fees | $83,483 |
| Benefits paid out | $4,663,004 |
| Net assets, start / end of year | $27.1M / $33.2M |
| Active participants, start / end of year | 1,441 / 1,437 |
| Participants with account balances | 943 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Farmer, Fuqua, & Huff P.C. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $105,150 reported compensation |
| Global Retirement Partners LLC | $52,317 reported compensation |
| Empower Advisory Group, LLC | $31,166 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010122250NAL0004234019001, received 2025-10-10, EIN 45-4535135, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.