American Addiction Centers, Inc. 401(k) Review & Grade
Aac, Inc. 401(k) Plan
Brentwood, TNHealth Care & Social Assistance1,592 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$542Employer $ per active participant
$1,957Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$35.7MNet plan assets, end of year
$20,879Average balance per account
Score breakdown
- Employer generosity18.5 / 5037th percentile for employer $ per participant
- Low cost10.4 / 2542th percentile for low admin cost vs. same-size plans
- Employee saving6.1 / 1541th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 37th |
| Lower admin cost | 42th |
| Employee saving | 41th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Corrective distributions: the plan refunded $144,031 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- American Addiction Centers put in about $542 per active participant, below the typical peer ($976). 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 | $862,719 |
| Participant (employee) contributions | $3,117,084 |
| Other contributions (incl. rollovers in) | $610,939 |
| Administrative expenses paid from the plan | $104,187 |
| Contract administrator fees | $104,187 |
| Benefits paid out | $9,338,245 |
| Net assets, start / end of year | $36.2M / $35.7M |
| Active participants, start / end of year | 1,696 / 1,489 |
| Participants with account balances | 1,712 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Lbmc,pc |
Largest service providers (Schedule C)
| John Hancock USA | $34,170 reported compensation |
| Raymond James Fin Services, Inc. | $10,334 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251103112145NAL0003949411001, received 2025-11-03, EIN 20-8623320, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.