Afl Telecommunications, LLC 401(k) Review & Grade
Afl Telecommunications, LLC Savings and Incentive Plan
Duncan, SCInformation2,544 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,107Employer $ per active participant
$4,389Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$178.6MNet plan assets, end of year
$85,014Average balance per account
Score breakdown
- Employer generosity13.6 / 5027th percentile for employer $ per participant
- Low cost18.0 / 2572th percentile for low admin cost vs. same-size plans
- Employee saving2.5 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 72th |
| Employee saving | 17th |
| Peers that auto-enroll | 63% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,284 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Afl Telecommunications put in about $2,107 per active participant, below the typical peer ($3,691). 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.
- 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.
- 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 | $5,358,211 |
| Participant (employee) contributions | $11,164,211 |
| Other contributions (incl. rollovers in) | $1,651,945 |
| Administrative expenses paid from the plan | $105,197 |
| Contract administrator fees | $105,197 |
| Benefits paid out | $20,474,496 |
| Net assets, start / end of year | $158.7M / $178.6M |
| Active participants, start / end of year | 2,431 / 2,656 |
| Participants with account balances | 2,101 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Halliday Schwartz & Co |
Largest service providers (Schedule C)
| Ascensus LLC | $105,197 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260306082140NAL0004885073001, received 2026-03-06, EIN 20-2478212, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.