Aprio Holdings LLC 401(k) Review & Grade
Aprio Employees Retirement Plan
Atlanta, GAProfessional, Scientific & Technical Services1,696 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,528Employer $ per active participant
$10,136Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$217.4MNet plan assets, end of year
$111,053Average balance per account
Score breakdown
- Employer generosity34.9 / 5070th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving9.0 / 1560th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score68 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 67th |
| Employee saving | 60th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,461 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aprio Holdings put in about $4,528 per active participant, more than the typical peer ($3,082). 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.
- 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 | $7,680,212 |
| Participant (employee) contributions | $17,191,437 |
| Other contributions (incl. rollovers in) | $10,771,729 |
| Administrative expenses paid from the plan | $256,335 |
| Contract administrator fees | $169,961 |
| Investment advisory & management fees | $86,374 |
| Benefits paid out | $18,860,166 |
| Net assets, start / end of year | $174.8M / $217.4M |
| Active participants, start / end of year | 1,740 / 1,652 |
| Participants with account balances | 1,958 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rehmann Robson LLC |
Largest service providers (Schedule C)
| Empower Annuity Ins Co of America | $169,961 reported compensation |
| Empower Advisory Group, LLC | $86,374 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015142912NAL0002452531001, received 2025-10-15, EIN 58-2487348, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.