Aci Worldwide Corp 401(k) Review & Grade
Aci Worldwide Corp 401(k) Plan
Elkhorn, NEProfessional, Scientific & Technical Services1,199 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,017Employer $ per active participant
$13,889Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$611.6MNet plan assets, end of year
$252,198Average balance per account
Score breakdown
- Employer generosity36.8 / 5074th percentile for employer $ per participant
- Low cost23.6 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 95th |
| Employee saving | 84th |
| Peers that auto-enroll | 48% |
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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
- Aci Worldwide put in about $5,017 per active participant, more than the typical peer ($3,082). 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.
- 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 | $6,015,464 |
| Participant (employee) contributions | $16,652,720 |
| Other contributions (incl. rollovers in) | $3,495,152 |
| Administrative expenses paid from the plan | $135,899 |
| Contract administrator fees | $2,100 |
| Other admin expenses | $60,000 |
| Benefits paid out | $51,094,034 |
| Net assets, start / end of year | $541.7M / $611.6M |
| Active participants, start / end of year | 1,190 / 1,208 |
| Participants with account balances | 2,425 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $69,292 reported compensation |
| NFP Retirement, Inc. | $60,000 reported compensation |
| Baker Tilly US, LLP | $10,450 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923101453NAL0005573025001, received 2025-09-23, EIN 47-0567215, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.