Amentum Services, Inc. 401(k) Review & Grade
Amentum 401(k) Retirement Plan
Chantilly, VAProfessional, Scientific & Technical Services30,714 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,983Employer $ per active participant
$6,005Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$2.5BNet plan assets, end of year
$63,444Average balance per account
Score breakdown
- Employer generosity26.1 / 5052th percentile for employer $ per participant
- Low cost9.6 / 2539th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 39th |
| Employee saving | 33th |
| Peers that auto-enroll | 39% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($11,671 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $515,607 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Amentum Services put in about $2,983 per active participant, more than the typical peer ($2,932). 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 | $91,612,554 |
| Participant (employee) contributions | $184,426,074 |
| Other contributions (incl. rollovers in) | $35,363,706 |
| Administrative expenses paid from the plan | $2,664,315 |
| Contract administrator fees | $12,085 |
| Investment advisory & management fees | $466,363 |
| Other admin expenses | $705,274 |
| Benefits paid out | $317,507,879 |
| Net assets, start / end of year | $2.2B / $2.5B |
| Active participants, start / end of year | 31,017 / 30,412 |
| Participants with account balances | 39,270 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $912,896 reported compensation |
| Captrust | $629,500 reported compensation |
| Strategic Advisors, Inc. | $466,363 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013133702NAL0002096704001, received 2025-10-13, EIN 27-1628265, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.