A & S Services Group, LLC 401(k) Review & Grade
A & S Services Group, LLC 401(k) Plan
York, PATransportation & Warehousing530 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$450Employer $ per active participant
$3,374Employee $ saved per active participant
1.18%Direct admin cost, % of plan assets
$12.5MNet plan assets, end of year
$17,657Average balance per account
Score breakdown
- Employer generosity11.8 / 5024th percentile for employer $ per participant
- Low cost1.2 / 255th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score21 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 5th |
| Employee saving | 55th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,550 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- A & S Services Group put in about $450 per active participant, below the typical peer ($1,070). 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.
- Direct plan expenses (1.18% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $238,272 |
| Participant (employee) contributions | $1,788,115 |
| Other contributions (incl. rollovers in) | $272,962 |
| Administrative expenses paid from the plan | $142,114 |
| Investment advisory & management fees | $40,256 |
| Benefits paid out | $2,628,488 |
| Net assets, start / end of year | $11.6M / $12.5M |
| Active participants, start / end of year | 499 / 561 |
| Participants with account balances | 708 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | SB & Company, LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $77,425 reported compensation |
| Sc&h Financial Advisors Inc | $40,256 reported compensation |
| SB & Company, LLC | $24,433 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251021113638NAL0000769139001, received 2025-10-21, EIN 26-4690051, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.