Atos IT Solutions and Services, Inc 401(k) Review & Grade
Atos 401(k) Savings Plan
Irving, TXProfessional, Scientific & Technical Services2,944 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,481Employer $ per active participant
$6,785Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$733.3MNet plan assets, end of year
$126,557Average balance per account
Score breakdown
- Employer generosity13.3 / 5027th percentile for employer $ per participant
- Low cost12.6 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 51th |
| Employee saving | 37th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $36,916 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Atos IT Solutions and Services put in about $1,481 per active participant, below the typical peer ($2,951). 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.
- 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 | $4,358,662 |
| Participant (employee) contributions | $19,974,106 |
| Other contributions (incl. rollovers in) | $2,210,390 |
| Administrative expenses paid from the plan | $901,530 |
| Investment advisory & management fees | $419,145 |
| Benefits paid out | $93,268,128 |
| Net assets, start / end of year | $756.2M / $733.3M |
| Active participants, start / end of year | 3,465 / 2,423 |
| Participants with account balances | 5,794 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bdo Usa,p.c. |
Largest service providers (Schedule C)
| Voya Institutional Plan Services | $456,885 reported compensation |
| Voya Retirement Advisors, LLC | $419,145 reported compensation |
| Harper & Pearson | $25,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260414084831NAL0015669361001, received 2026-04-14, EIN 13-3715291, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.