Gat Airline Ground Support, Inc. 401(k) Review & Grade
Gat 401(k) Plan
Peachtree City, GATransportation & Warehousing3,577 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$179Employer $ per active participant
$366Employee $ saved per active participant
1.76%Direct admin cost, % of plan assets
$5.9MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity3.7 / 507th percentile for employer $ per participant
- Low cost0.3 / 251th percentile for low admin cost vs. same-size plans
- Employee saving0.1 / 151th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score7 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 7th |
| Lower admin cost | 1th |
| Employee saving | 1th |
| Peers that auto-enroll | 46% |
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
- Gat Airline Ground Support put in about $179 per active participant, below the typical peer ($1,834). 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 (1.76% 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.
- 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 | $641,590 |
| Participant (employee) contributions | $1,308,783 |
| Other contributions (incl. rollovers in) | $30,392 |
| Administrative expenses paid from the plan | $96,295 |
| Contract administrator fees | $96,295 |
| Benefits paid out | $1,734,801 |
| Net assets, start / end of year | $5.0M / $5.9M |
| Active participants, start / end of year | 4,000 / 3,154 |
| Participants with account balances | 523 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Avizo |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $96,295 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730094359NAL0005298352001, received 2025-07-30, EIN 63-0818597, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.