Constellis 401(k) Plan 401(k) Review & Grade
Constellis 401(k) Plan
Herndon, VAProfessional, Scientific & Technical Services9,834 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,406Employer $ per active participant
$2,994Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$643.6MNet plan assets, end of year
$44,578Average balance per account
Score breakdown
- Employer generosity29.1 / 5058th percentile for employer $ per participant
- Low cost10.1 / 2540th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1515th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-5 pts1 issue reported on the filing
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 58th |
| Lower admin cost | 40th |
| Employee saving | 15th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
What to do if you're in this plan
- Constellis 401(k) Plan put in about $3,406 per active participant, more than the typical peer ($2,951). 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 | $33,493,041 |
| Participant (employee) contributions | $29,442,942 |
| Other contributions (incl. rollovers in) | $3,179,062 |
| Administrative expenses paid from the plan | $1,044,969 |
| Contract administrator fees | $87,825 |
| Investment advisory & management fees | $389,985 |
| Other admin expenses | $175,003 |
| Benefits paid out | $111,912,820 |
| Net assets, start / end of year | $606.6M / $643.6M |
| Active participants, start / end of year | 10,232 / 9,437 |
| Participants with account balances | 14,437 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Sarbey, Lexow & Kaufman |
Largest service providers (Schedule C)
| Voya Institutional Plan Services | $655,798 reported compensation |
| Voya Retirement Advisors, LLC | $389,985 reported compensation |
| Sageview Advisory Group, LLC | $80,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260624134111NAL0006406883001, received 2026-06-24, EIN 47-3297412, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.