Arch Capital Group (U.S.) Inc. 401(k) Review & Grade
Arch Capital Group (U.S.) Inc. Employee Retirement Plan
Jersey City, NJFinance & Insurance3,612 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$17,029Employer $ per active participant
$13,579Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$1.3BNet plan assets, end of year
$259,153Average balance per account
Score breakdown
- Employer generosity49.2 / 5098th percentile for employer $ per participant
- Low cost24.6 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 98th |
| Lower admin cost | 99th |
| Employee saving | 89th |
| Peers that auto-enroll | 66% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $36,250 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Arch Capital Group (U.S.) put in about $17,029 per active participant, more than the typical peer ($4,489). 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 | $61,499,742 |
| Participant (employee) contributions | $49,039,137 |
| Other contributions (incl. rollovers in) | $36,657,904 |
| Administrative expenses paid from the plan | $69,016 |
| Contract administrator fees | $600 |
| Investment advisory & management fees | $69,826 |
| Benefits paid out | $69,549,911 |
| Net assets, start / end of year | $1.0B / $1.3B |
| Active participants, start / end of year | 3,245 / 3,978 |
| Participants with account balances | 4,911 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Warren Averett LLC |
Largest service providers (Schedule C)
| Pricewaterhousecoopers LLP | $73,500 reported compensation |
| Strategic Advisors, Inc. | $69,826 reported compensation |
| Fidelity Investments Institutional | −$68,065 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006144400NAL0006350384001, received 2025-10-06, EIN 06-1424716, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.