Aquent LLC 401(k) Review & Grade
Aquent LLC 401(k) Plan
Boston, MAAdministrative, Support & Staffing Services3,834 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$985Employer $ per active participant
$5,149Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$333.1MNet plan assets, end of year
$74,370Average balance per account
Score breakdown
- Employer generosity35.5 / 5071th percentile for employer $ per participant
- Low cost12.3 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1591th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 49th |
| Employee saving | 91th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
Corrective distributions: the plan refunded $4,651 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Aquent put in about $985 per active participant, more than the typical peer ($342). 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.
- 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 | $3,776,406 |
| Participant (employee) contributions | $19,736,929 |
| Other contributions (incl. rollovers in) | $4,342,235 |
| Administrative expenses paid from the plan | $387,028 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $109,260 |
| Other admin expenses | $2,240 |
| Benefits paid out | $34,610,728 |
| Net assets, start / end of year | $288.4M / $333.1M |
| Active participants, start / end of year | 3,845 / 3,822 |
| Participants with account balances | 4,479 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cbiz Cpas PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $275,632 reported compensation |
| Strategic Advisors, Inc. | $109,260 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250822122454NAL0002546579001, received 2025-08-22, EIN 04-3583617, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.