Acella Pharmaceuticals, LLC 401(k) Review & Grade
Acella Pharmaceuticals, LLC 401(k) Profit Sharing
Alpharetta, GAWholesale Trade563 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,134Employer $ per active participant
$5,741Employee $ saved per active participant
0.80%Direct admin cost, % of plan assets
$31.6MNet plan assets, end of year
$31,561Average balance per account
Score breakdown
- Employer generosity37.9 / 5076th percentile for employer $ per participant
- Low cost2.5 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1565th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-8 pts2 issues reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 10th |
| Employee saving | 65th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Auditor disclaimer: the auditor issued a disclaimer of opinion.
Corrective distributions: the plan refunded $51 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Acella Pharmaceuticals put in about $3,134 per active participant, more than the typical peer ($1,792). 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.
- Direct plan expenses (0.80% 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.
- 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 | $1,764,519 |
| Participant (employee) contributions | $3,232,081 |
| Other contributions (incl. rollovers in) | $413,779 |
| Administrative expenses paid from the plan | $228,686 |
| Contract administrator fees | $228,686 |
| Benefits paid out | $2,850,500 |
| Net assets, start / end of year | $25.7M / $31.6M |
| Active participants, start / end of year | 575 / 551 |
| Participants with account balances | 1,001 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bennett Thrasher |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $199,653 reported compensation |
| Sbhu/morgan Stanley Smith Barneyllc | $111,627 reported compensation |
| Futureplan by Ascensus | $28,734 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009091003NAL0006337425001, received 2025-10-09, EIN 26-1193374, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.