Advanced Chemical Transport LLC 401(k) Review & Grade
Advanced Chemical Transport LLC Retirement Savings
San Jose, CAAdministrative, Support & Staffing Services754 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,179Employer $ per active participant
$7,348Employee $ saved per active participant
0.26%Direct admin cost, % of plan assets
$41.7MNet plan assets, end of year
$47,443Average balance per account
Score breakdown
- Employer generosity40.4 / 5081th percentile for employer $ per participant
- Low cost11.4 / 2545th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 45th |
| Employee saving | 90th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,345 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Advanced Chemical Transport put in about $2,179 per active participant, more than the typical peer ($712). 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 | $1,642,165 |
| Participant (employee) contributions | $5,536,764 |
| Other contributions (incl. rollovers in) | $907,585 |
| Administrative expenses paid from the plan | $99,224 |
| Benefits paid out | $4,698,762 |
| Net assets, start / end of year | $33.6M / $41.7M |
| Active participants, start / end of year | 700 / 807 |
| Participants with account balances | 880 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly, US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $73,289 reported compensation |
| Cbiz Financial Solutions Inc | $69,926 reported compensation |
| Moss Adams | $25,935 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002092632NAL0000416704001, received 2025-10-02, EIN 52-2226818, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.