Angstrom Automotive Group, LLC 401(k) Review & Grade
Angstrom Automotive Group, LLC 401(k) Plan
Southfield, MIManufacturing964 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$977Employer $ per active participant
$1,979Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$17.3MNet plan assets, end of year
$35,109Average balance per account
Score breakdown
- Employer generosity8.2 / 5016th percentile for employer $ per participant
- Low cost16.9 / 2568th percentile for low admin cost vs. same-size plans
- Employee saving1.7 / 1511th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 16th |
| Lower admin cost | 68th |
| Employee saving | 11th |
| Peers that auto-enroll | 59% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Angstrom Automotive Group put in about $977 per active participant, below the typical peer ($2,320). 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 | $940,981 |
| Participant (employee) contributions | $1,906,740 |
| Other contributions (incl. rollovers in) | $2,478,886 |
| Administrative expenses paid from the plan | $18,302 |
| Investment advisory & management fees | $6,632 |
| Benefits paid out | $992,119 |
| Net assets, start / end of year | $11.2M / $17.3M |
| Active participants, start / end of year | 714 / 1,213 |
| Participants with account balances | 492 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Doeren Mayhew Assurance |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $11,670 reported compensation |
| Strategic Advisors, Inc. | $6,632 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014121301NAL0002731761001, received 2025-10-14, EIN 27-3774178, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.