Arhaus, LLC 401(k) Review & Grade
Arhaus, LLC 401(k) Plan
Boston Heights, OHRetail Trade2,100 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,968Employer $ per active participant
$3,997Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$68.3MNet plan assets, end of year
$47,497Average balance per account
Score breakdown
- Employer generosity42.1 / 5084th percentile for employer $ per participant
- Low cost10.6 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score56 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 42th |
| Employee saving | 65th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($858,981 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Arhaus put in about $1,968 per active participant, more than the typical peer ($743). 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,131,087 |
| Participant (employee) contributions | $8,391,995 |
| Other contributions (incl. rollovers in) | $1,028,027 |
| Administrative expenses paid from the plan | $175,901 |
| Investment advisory & management fees | $144,456 |
| Benefits paid out | $6,930,822 |
| Net assets, start / end of year | $55.4M / $68.3M |
| Active participants, start / end of year | 2,001 / 2,198 |
| Participants with account balances | 1,439 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton LLP |
Largest service providers (Schedule C)
| Ascensus LLC | $80,939 reported compensation |
| Global Retirement Partners, Inc | $59,862 reported compensation |
| Sharebuilder Advisor LLC | $29,265 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251028100012NAL0006120019001, received 2025-10-28, EIN 34-1185757, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.