Alliance Entertainment 401(k) Review & Grade
Alliance Entertainment 401(k) Plan
Shepherdsville, FLWholesale Trade912 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$707Employer $ per active participant
$2,767Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$46.9MNet plan assets, end of year
$48,225Average balance per account
Score breakdown
- Employer generosity6.8 / 5014th percentile for employer $ per participant
- Low cost21.8 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving2.9 / 1519th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 14th |
| Lower admin cost | 87th |
| Employee saving | 19th |
| Peers that auto-enroll | 53% |
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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
- Alliance Entertainment put in about $707 per active participant, below the typical peer ($1,792). 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.
- 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 | $644,298 |
| Participant (employee) contributions | $2,522,253 |
| Other contributions (incl. rollovers in) | $0 |
| Administrative expenses paid from the plan | $22,627 |
| Investment advisory & management fees | $12,808 |
| Benefits paid out | $4,423,819 |
| Net assets, start / end of year | $42.2M / $46.9M |
| Active participants, start / end of year | 1,095 / 728 |
| Participants with account balances | 972 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | DSR CPA and Consultants LLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $22,627 reported compensation |
| Strategic Advisors, Inc. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260601173027NAL0000110787001, received 2026-06-01, EIN 55-0917836, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.