Arcosa, Inc. 401(k) Review & Grade
Arcosa 401(k) Plan
Dallas, TXManufacturing4,744 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,546Employer $ per active participant
$4,945Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$280.1MNet plan assets, end of year
$51,256Average balance per account
Score breakdown
- Employer generosity26.1 / 5052th percentile for employer $ per participant
- Low cost8.3 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving5.3 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 33th |
| Employee saving | 36th |
| Peers that auto-enroll | 70% |
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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
- Arcosa put in about $3,546 per active participant, more than the typical peer ($3,452). 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.
- Direct plan expenses (0.21% of assets) are well above similar-size plans (0.12%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $16,820,529 |
| Participant (employee) contributions | $23,457,865 |
| Other contributions (incl. rollovers in) | $6,184,247 |
| Administrative expenses paid from the plan | $566,759 |
| Investment advisory & management fees | $120,688 |
| Benefits paid out | $61,450,739 |
| Net assets, start / end of year | $257.6M / $280.1M |
| Active participants, start / end of year | 4,637 / 4,851 |
| Participants with account balances | 5,464 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $446,071 reported compensation |
| Strategic Advisors, Inc. | $120,688 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250626115828NAL0020765074001, received 2025-06-26, EIN 82-5339416, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.