Armstrong Relocation & Companies, LLC 401(k) Review & Grade
Armstrong Relocation & Companies, LLC 401(k) Plan
Memphis, TNTransportation & Warehousing862 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$605Employer $ per active participant
$3,598Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$59.3MNet plan assets, end of year
$71,655Average balance per account
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 98th |
| Employee saving | 58th |
| Peers that auto-enroll | 37% |
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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
- Armstrong Relocation & Companies put in about $605 per active participant, below the typical peer ($1,070). 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.
- 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 | $521,693 |
| Participant (employee) contributions | $3,103,570 |
| Other contributions (incl. rollovers in) | $174,324 |
| Administrative expenses paid from the plan | $5,625 |
| Contract administrator fees | $5,625 |
| Benefits paid out | $8,896,102 |
| Net assets, start / end of year | $57.5M / $59.3M |
| Active participants, start / end of year | 912 / 813 |
| Participants with account balances | 828 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Melissa G. Critcher |
Largest service providers (Schedule C)
| Morningstar | $0 reported compensation |
| Voya Retirement Ins & Annuity Co. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015092257NAL0002162723001, received 2025-10-15, EIN 84-3131690, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.