Arc Intl. North America, LLC 401(k) Review & Grade
Arc International North America 401k Retirement
Millville, NJManufacturing661 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,677Employer $ per active participant
$3,609Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$80.2MNet plan assets, end of year
$89,189Average balance per account
Score breakdown
- Employer generosity28.6 / 5057th percentile for employer $ per participant
- Low cost17.9 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving4.7 / 1531th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 72th |
| Employee saving | 31th |
| Peers that auto-enroll | 59% |
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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
- Arc Intl. North America put in about $2,677 per active participant, more than the typical peer ($2,320). 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 | $1,769,351 |
| Participant (employee) contributions | $2,385,796 |
| Other contributions (incl. rollovers in) | $39,521 |
| Administrative expenses paid from the plan | $85,957 |
| Contract administrator fees | $39,550 |
| Investment advisory & management fees | $2,969 |
| Other admin expenses | $43,438 |
| Benefits paid out | $11,850,098 |
| Net assets, start / end of year | $75.6M / $80.2M |
| Active participants, start / end of year | 667 / 655 |
| Participants with account balances | 899 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Regal Investment Advisors, LLC | $60,000 reported compensation |
| Voya Retirement Insurance & Annuity | $45,711 reported compensation |
| Faegre Drinker Biddle & Reath LLP | $37,788 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014113709NAL0003805792001, received 2025-10-14, EIN 22-1815068, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.