Signature Aviation USA, LLC 401(k) Review & Grade
Signature Aviation USA, LLC 401(k) Plan
Orlando, FLTransportation & Warehousing5,208 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,431Employer $ per active participant
$2,744Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$271.4MNet plan assets, end of year
$64,798Average balance per account
Score breakdown
- Employer generosity23.0 / 5046th percentile for employer $ per participant
- Low cost11.0 / 2544th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Transportation & Warehousing plans with 2,500–9,999 active participants (123 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 46th |
| Lower admin cost | 44th |
| Employee saving | 28th |
| Peers that auto-enroll | 46% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Signature Aviation USA put in about $1,431 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.
- 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.
- 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 | $7,453,691 |
| Participant (employee) contributions | $14,289,813 |
| Other contributions (incl. rollovers in) | $8,224,374 |
| Administrative expenses paid from the plan | $376,290 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $80,310 |
| Other admin expenses | $56,257 |
| Benefits paid out | $36,675,711 |
| Net assets, start / end of year | $243.0M / $271.4M |
| Active participants, start / end of year | 4,877 / 5,539 |
| Participants with account balances | 4,189 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rehmann Robson LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $239,723 reported compensation |
| Strategic Advisors, Inc. | $80,310 reported compensation |
| Advus Financial | $37,257 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250630144340NAL0011912513001, received 2025-06-30, EIN 59-3096227, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.