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Grade My 401(k)
Built by Basic Capital
1 issue

Arcadis U.S., Inc.

57-0373224· Highlands Ranch, CO· T. Rowe Price· 2025 filing· vs 210 plans your size in your industry
B
0/100
Overall grade

Solid plan with a few things to improve.

A
Fees
B
Financial Wellness
B
Plan design
B
Compliance
Fees

Your plan pays around 2 bps of assets per year. Similar plans pay around 6 bps. Your plan is cheaper than about 90% of similar plans.

A
cheaper10th percentilepricier
Financial Wellness

Middle-of-the-pack savings. Employees put away $11,477/employee a year. That's about average for plans this size.

B
lower69th percentilehigher
Plan design

Covers the basics. A few high-impact features are missing.

B
Employer match
The plan matches employee contributions, the single strongest driver of participation and savings.
Automatic enrollment
New hires are enrolled by default. Plans with auto-enroll see much higher participation.
Safe harbor not reported
The filing does not establish whether this plan uses a safe harbor design, so it does not affect the grade.
Default investment (QDIA)
Employees who never pick investments land in a sensible default, usually a target-date fund, instead of cash.
No brokerage window
Employees can only invest through the plan's core fund menu. A brokerage window opens the wider market for people who want more control.
Compliance & health

1 item to review, nothing critical.

B
Fidelity bond below 10% of BOY assets, ERISA 412 violation
The reported ERISA fidelity bond is below the 10%-of-assets guideline based on beginning-of-year assets. Fast-growing plans can look under-bonded on paper; confirm against the plan's current bond coverage.
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T. Rowe Price

No provider notes available.

Key insights

  • Strongest area: fees. Your plan pays around 2 bps of assets per year. Similar plans pay around 6 bps. Your plan is cheaper than about 90% of similar plans.
  • Best place to improve: financial wellness. Middle-of-the-pack savings. Employees put away $11,477/employee a year. That's about average for plans this size.
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