American Restoration Operations, LLC 401(k) Review & Grade
American Restoration Operations 401(k) Plan
Irving, TXConstruction585 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,009Employer $ per active participant
$4,234Employee $ saved per active participant
0.44%Direct admin cost, % of plan assets
$28.4MNet plan assets, end of year
$77,680Average balance per account
Score breakdown
- Employer generosity29.6 / 5059th percentile for employer $ per participant
- Low cost6.8 / 2527th percentile for low admin cost vs. same-size plans
- Employee saving8.1 / 1554th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 59th |
| Lower admin cost | 27th |
| Employee saving | 54th |
| Peers that auto-enroll | 44% |
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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 ($128,968 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- American Restoration Operations put in about $2,009 per active participant, more than the typical peer ($1,672). 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 (0.44% 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 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 | $1,175,267 |
| Participant (employee) contributions | $2,476,978 |
| Other contributions (incl. rollovers in) | $1,293,318 |
| Administrative expenses paid from the plan | $113,469 |
| Contract administrator fees | $113,469 |
| Benefits paid out | $3,025,959 |
| Net assets, start / end of year | $23.5M / $28.4M |
| Active participants, start / end of year | 548 / 622 |
| Participants with account balances | 365 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante Moran, PLLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $113,468 reported compensation |
| Creative Planning, Inc. | $60,071 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014075042NAL0003320672001, received 2025-10-14, EIN 83-4557063, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.