Acme Group Holding Company, Inc. 401(k) Review & Grade
Acme Group Holding 401(k) Plan
ST. Louis, MOConstruction612 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,109Employer $ per active participant
$1,850Employee $ saved per active participant
0.54%Direct admin cost, % of plan assets
$9.5MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity17.9 / 5036th percentile for employer $ per participant
- Low cost5.2 / 2521th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score16 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 21th |
| Employee saving | 19th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($412,705 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $246,866 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Acme Group Holding Company put in about $1,109 per active participant, below the typical peer ($1,672). 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 (0.54% 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $679,408 |
| Participant (employee) contributions | $1,133,403 |
| Other contributions (incl. rollovers in) | $88,228 |
| Administrative expenses paid from the plan | $44,199 |
| Investment advisory & management fees | $22,119 |
| Benefits paid out | $68,928 |
| Net assets, start / end of year | $6.9M / $9.5M |
| Active participants, start / end of year | 402 / 823 |
| Participants with account balances | 181 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars LLP |
Largest service providers (Schedule C)
| Parkside Financial, Inc. | $22,119 reported compensation |
| Epic Retirement Plan Services | $22,080 reported compensation |
| Charles Schwab & Co., Inc. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014164311NAL0003433697002, received 2025-10-14, EIN 84-3220527, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.