NA Alii Consulting and Sales, LLC 401(k) Review & Grade
Nakupuna Foundation Family of Companies Retirement Plan
Arlington, VAProfessional, Scientific & Technical Services1,196 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,613Employer $ per active participant
$9,024Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$88.8MNet plan assets, end of year
$52,454Average balance per account
Score breakdown
- Employer generosity42.8 / 5086th percentile for employer $ per participant
- Low cost10.8 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1550th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score68 / 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 | 86th |
| Lower admin cost | 43th |
| Employee saving | 50th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $492 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- NA Alii Consulting and Sales put in about $7,613 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 | $9,100,772 |
| Participant (employee) contributions | $10,788,442 |
| Other contributions (incl. rollovers in) | $4,390,401 |
| Administrative expenses paid from the plan | $206,740 |
| Contract administrator fees | $131,661 |
| Investment advisory & management fees | $75,079 |
| Benefits paid out | $4,313,140 |
| Net assets, start / end of year | $59.8M / $88.8M |
| Active participants, start / end of year | 1,024 / 1,367 |
| Participants with account balances | 1,693 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Gross Mendelsohn & Associates |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $131,661 reported compensation |
| Cetera Advisor Networks | $75,079 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250730113917NAL0010160450001, received 2025-07-30, EIN 20-1741740, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.