Atc Drivetrain, LLC 401(k) Review & Grade
Atc Drivetrain, LLC Retirement Plan
Oklahoma City, OKManufacturing873 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,392Employer $ per active participant
$2,876Employee $ saved per active participant
0.48%Direct admin cost, % of plan assets
$39.7MNet plan assets, end of year
$63,224Average balance per account
Score breakdown
- Employer generosity13.7 / 5027th percentile for employer $ per participant
- Low cost6.2 / 2525th percentile for low admin cost vs. same-size plans
- Employee saving3.2 / 1521th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score26 / 100 · Grade F
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 25th |
| Employee saving | 21th |
| Peers that auto-enroll | 59% |
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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
- Atc Drivetrain put in about $1,392 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.
- Direct plan expenses (0.48% 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.
- 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 | $1,214,928 |
| Participant (employee) contributions | $2,510,860 |
| Other contributions (incl. rollovers in) | $1,184,724 |
| Administrative expenses paid from the plan | $177,595 |
| Investment advisory & management fees | $85,862 |
| Benefits paid out | $4,642,480 |
| Net assets, start / end of year | $34.7M / $39.7M |
| Active participants, start / end of year | 853 / 893 |
| Participants with account balances | 628 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $90,682 reported compensation |
| Mercer Investment Management, Inc. | $53,020 reported compensation |
| Baker Tilly Virchow Krause, LLP | $32,841 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007051837NAL0004210881001, received 2025-10-07, EIN 90-0857545, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.