Allegiance Trucks North America, LLC 401(k) Review & Grade
Allegiance Trucks 401(k) Profit Sharing Plan and Trust
Bridgeport, CTTransportation & Warehousing1,038 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$955Employer $ per active participant
$3,389Employee $ saved per active participant
0.63%Direct admin cost, % of plan assets
$39.4MNet plan assets, end of year
$47,552Average balance per account
Score breakdown
- Employer generosity23.3 / 5047th percentile for employer $ per participant
- Low cost4.0 / 2516th percentile for low admin cost vs. same-size plans
- Employee saving8.3 / 1555th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Transportation & Warehousing plans with 500–2,499 active participants (392 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 47th |
| Lower admin cost | 16th |
| Employee saving | 55th |
| Peers that auto-enroll | 37% |
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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 ($309,035 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Allegiance Trucks North America put in about $955 per active participant, below the typical peer ($1,070). 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 (0.63% 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 | $991,594 |
| Participant (employee) contributions | $3,519,287 |
| Other contributions (incl. rollovers in) | $658,569 |
| Administrative expenses paid from the plan | $231,153 |
| Other admin expenses | $80,091 |
| Benefits paid out | $4,100,657 |
| Net assets, start / end of year | $34.4M / $39.4M |
| Active participants, start / end of year | 1,055 / 1,022 |
| Participants with account balances | 828 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $84,577 reported compensation |
| Fiducient Advisors | $80,100 reported compensation |
| Forvis Mazars, LLP | $8,925 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015101923NAL0002134483001, received 2025-10-15, EIN 85-4127130, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.