Arrow Exterminators, Inc. 401(k) Review & Grade
Arrow Exterminators, Inc. 401(k) Plan
Atlanta, GAAdministrative, Support & Staffing Services3,212 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$442Employer $ per active participant
$2,196Employee $ saved per active participant
0.82%Direct admin cost, % of plan assets
$56.9MNet plan assets, end of year
$17,259Average balance per account
Score breakdown
- Employer generosity27.0 / 5054th percentile for employer $ per participant
- Low cost1.6 / 256th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 6th |
| Employee saving | 65th |
| Peers that auto-enroll | 22% |
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Red flags from the filing
Corrective distributions: the plan refunded $146,972 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Arrow Exterminators put in about $442 per active participant, more than the typical peer ($342). 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 (0.82% 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.
- 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 | $1,419,181 |
| Participant (employee) contributions | $7,054,927 |
| Other contributions (incl. rollovers in) | $695,597 |
| Administrative expenses paid from the plan | $428,528 |
| Contract administrator fees | $428,528 |
| Benefits paid out | $5,512,831 |
| Net assets, start / end of year | $48.1M / $56.9M |
| Active participants, start / end of year | 3,174 / 3,251 |
| Participants with account balances | 3,295 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Smith and Howard, PC |
Largest service providers (Schedule C)
| Principal Life Insurance Co | $349,439 reported compensation |
| Raymond James Financial Services | $111,972 reported compensation |
| Erisa Services, Inc. | $109,606 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731154320NAL0003203651001, received 2025-07-31, EIN 58-1024782, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.