Ars Acquisitions Holdings, LLC 401(k) Review & Grade
Ars Employee 401(k) Plan
Memphis, TNConstruction4,890 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$576Employer $ per active participant
$4,855Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$177.6MNet plan assets, end of year
$30,913Average balance per account
Score breakdown
- Employer generosity8.0 / 5016th percentile for employer $ per participant
- Low cost4.5 / 2518th percentile for low admin cost vs. same-size plans
- Employee saving7.8 / 1552th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Construction plans with 2,500–9,999 active participants (76 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 16th |
| Lower admin cost | 18th |
| Employee saving | 52th |
| Peers that auto-enroll | 57% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Ars Acquisitions Holdings put in about $576 per active participant, below the typical peer ($1,965). 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.
- Direct plan expenses (0.37% 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 | $2,819,082 |
| Participant (employee) contributions | $23,741,746 |
| Other contributions (incl. rollovers in) | $1,554,855 |
| Administrative expenses paid from the plan | $621,135 |
| Investment advisory & management fees | $21,529 |
| Other admin expenses | $245,964 |
| Benefits paid out | $28,794,757 |
| Net assets, start / end of year | $161.3M / $177.6M |
| Active participants, start / end of year | 5,175 / 4,606 |
| Participants with account balances | 5,746 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $338,154 reported compensation |
| Mercer (US) Inc Mercer Investments | $245,964 reported compensation |
| Empower Advisory Group, LLC | $21,529 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930115650NAL0016450403001, received 2025-09-30, EIN 45-0542275, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.