Stand Together Benefits, LLC 401(k) Review & Grade
Stand Together Benefits, LLC 401(k) Plan
Arlington, VAFinance & Insurance1,350 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,032Employer $ per active participant
$8,130Employee $ saved per active participant
0.33%Direct admin cost, % of plan assets
$127.0MNet plan assets, end of year
$79,553Average balance per account
Score breakdown
- Employer generosity38.0 / 5076th percentile for employer $ per participant
- Low cost9.2 / 2537th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 37th |
| Employee saving | 61th |
| Peers that auto-enroll | 62% |
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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
- Stand Together Benefits put in about $6,032 per active participant, more than the typical peer ($3,606). 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.
- 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 | $8,140,842 |
| Participant (employee) contributions | $10,970,788 |
| Other contributions (incl. rollovers in) | $1,936,606 |
| Administrative expenses paid from the plan | $377,980 |
| Investment advisory & management fees | $281,124 |
| Benefits paid out | $8,987,309 |
| Net assets, start / end of year | $101.0M / $127.0M |
| Active participants, start / end of year | 1,312 / 1,387 |
| Participants with account balances | 1,596 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen, LLP |
Largest service providers (Schedule C)
| Mercer Investments, LLC | $247,002 reported compensation |
| Empower Annuity Insurance Company O | $96,856 reported compensation |
| Empower Advisory Group, LLC | $34,121 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250910104931NAL0021085809001, received 2025-09-10, EIN 45-2663979, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.