Arotech Corporation 401(k) Review & Grade
Arotech 401(k) Plan
Ann Arbor, MIProfessional, Scientific & Technical Services549 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,324Employer $ per active participant
$7,438Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$89.0MNet plan assets, end of year
$122,584Average balance per account
Score breakdown
- Employer generosity27.2 / 5054th percentile for employer $ per participant
- Low cost9.2 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 37th |
| Employee saving | 38th |
| 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
- Arotech put in about $3,324 per active participant, more than the typical peer ($3,082). 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 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 | $1,825,108 |
| Participant (employee) contributions | $4,083,656 |
| Other contributions (incl. rollovers in) | $464,487 |
| Administrative expenses paid from the plan | $272,402 |
| Contract administrator fees | $272,402 |
| Benefits paid out | $3,875,251 |
| Net assets, start / end of year | $75.3M / $89.0M |
| Active participants, start / end of year | 543 / 555 |
| Participants with account balances | 726 |
| Auto-enrollment (feature code 2S) | Yes |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $176,258 reported compensation |
| Linsco/private Ledger Corp | $116,068 reported compensation |
| LPL Financial | $40,693 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013094601NAL0001640976001, received 2025-10-13, EIN 95-4302784, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.