Ats Esop Holdings, Inc. 401(k) Review & Grade
Ats 401(k) Plan
Reston, VAProfessional, Scientific & Technical Services594 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,312Employer $ per active participant
$14,069Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$102.6MNet plan assets, end of year
$147,880Average balance per account
Score breakdown
- Employer generosity43.6 / 5087th percentile for employer $ per participant
- Low cost13.8 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 55th |
| Employee saving | 85th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,193 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $1,220 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ats Esop Holdings put in about $8,312 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $4,937,514 |
| Participant (employee) contributions | $8,357,026 |
| Other contributions (incl. rollovers in) | $1,684,764 |
| Administrative expenses paid from the plan | $177,173 |
| Contract administrator fees | $95,827 |
| Investment advisory & management fees | $81,346 |
| Benefits paid out | $15,660,236 |
| Net assets, start / end of year | $79.6M / $102.6M |
| Active participants, start / end of year | 617 / 571 |
| Participants with account balances | 694 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Brontide, LLC |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $95,827 reported compensation |
| Raymond James Financial Services | $81,363 reported compensation |
| Crossplans | $37,023 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008180427NAL0014007250002, received 2025-10-08, EIN 84-4088111, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.