Archway Marketing Services, Inc. 401(k) Review & Grade
Archway Marketing Services Retirement Savings Plan
Maple Grove, MNProfessional, Scientific & Technical Services648 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$737Employer $ per active participant
$4,223Employee $ saved per active participant
0.34%Direct admin cost, % of plan assets
$59.9MNet plan assets, end of year
$53,210Average balance per account
Score breakdown
- Employer generosity8.3 / 5017th percentile for employer $ per participant
- Low cost9.1 / 2536th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1522th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 17th |
| Lower admin cost | 36th |
| Employee saving | 22th |
| Peers that auto-enroll | 48% |
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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
- Archway Marketing Services put in about $737 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $477,858 |
| Participant (employee) contributions | $2,736,389 |
| Other contributions (incl. rollovers in) | $54,689 |
| Administrative expenses paid from the plan | $195,123 |
| Contract administrator fees | $37,834 |
| Investment advisory & management fees | $45,000 |
| Other admin expenses | $270 |
| Benefits paid out | $6,895,128 |
| Net assets, start / end of year | $56.0M / $59.9M |
| Active participants, start / end of year | 657 / 639 |
| Participants with account balances | 1,125 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eide Bailly LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $149,853 reported compensation |
| Usi Advisors Inc | $45,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001160913NAL0006021891001, received 2025-10-01, EIN 20-3711602, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.