Acrt Services, Inc. 401(k) Review & Grade
Acrt Services, Inc. 401(k) Plan
Stow, OHEducational Services1,200 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$407Employer $ per active participant
$3,433Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$35.3MNet plan assets, end of year
$22,515Average balance per account
Score breakdown
- Employer generosity7.0 / 5014th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving9.7 / 1564th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Educational Services plans with 500–2,499 active participants (144 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 14th |
| Lower admin cost | 28th |
| Employee saving | 64th |
| Peers that auto-enroll | 37% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Acrt Services put in about $407 per active participant, below the typical peer ($1,225). 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 (0.43% 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 | $488,720 |
| Participant (employee) contributions | $4,120,108 |
| Other contributions (incl. rollovers in) | $396,157 |
| Administrative expenses paid from the plan | $144,519 |
| Investment advisory & management fees | $67,013 |
| Benefits paid out | $5,946,210 |
| Net assets, start / end of year | $31.9M / $35.3M |
| Active participants, start / end of year | 1,258 / 1,142 |
| Participants with account balances | 1,567 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Meaden & Moore, LTD |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $77,517 reported compensation |
| Capfinancial Partners LLC | $67,013 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251006080311NAL0008408578001, received 2025-10-06, EIN 82-3477877, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.