H2m Architects, Engineers, Geology, Land Surveying and Landscape Archi 401(k) Review & Grade
H2m Architects + Engineers 401(k) Plan
Melville, NYProfessional, Scientific & Technical Services562 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,258Employer $ per active participant
$12,627Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$167.9MNet plan assets, end of year
$211,476Average balance per account
Score breakdown
- Employer generosity43.4 / 5087th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score82 / 100 · Grade A
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 | 67th |
| Employee saving | 78th |
| Peers that auto-enroll | 48% |
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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
- H2m Architects, Engineers, Geology, Land Surveying and Landscape Archi put in about $8,258 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 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 | $4,636,823 |
| Participant (employee) contributions | $7,090,008 |
| Other contributions (incl. rollovers in) | $1,271,567 |
| Administrative expenses paid from the plan | $210,412 |
| Investment advisory & management fees | $30,808 |
| Other admin expenses | $166,809 |
| Benefits paid out | $13,884,165 |
| Net assets, start / end of year | $150.4M / $167.9M |
| Active participants, start / end of year | 549 / 574 |
| Participants with account balances | 794 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Grassi & Co., Cpa's P.C. |
Largest service providers (Schedule C)
| Acec Retirement Trust | $166,809 reported compensation |
| Empower Advisory Group, LLC | $30,808 reported compensation |
| Empower Life & Annuity Insurance Co | $12,795 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006095553NAL0008599922001, received 2025-10-06, EIN 11-2235604, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.