Atc Management Inc 401(k) Review & Grade
Atc 401(k) Plan
Waukesha, WIUtilities562 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,678Employer $ per active participant
$15,272Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$206.4MNet plan assets, end of year
$300,868Average balance per account
Score breakdown
- Employer generosity20.9 / 5042th percentile for employer $ per participant
- Low cost20.1 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving13.2 / 1588th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Utilities plans with 500–2,499 active participants (75 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 42th |
| Lower admin cost | 80th |
| Employee saving | 88th |
| Peers that auto-enroll | 76% |
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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 Management put in about $5,678 per active participant, below the typical peer ($6,264). 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 | $3,190,893 |
| Participant (employee) contributions | $8,582,893 |
| Other contributions (incl. rollovers in) | $1,376,129 |
| Administrative expenses paid from the plan | $145,298 |
| Investment advisory & management fees | $93,582 |
| Benefits paid out | $13,078,470 |
| Net assets, start / end of year | $179.9M / $206.4M |
| Active participants, start / end of year | 537 / 587 |
| Participants with account balances | 686 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Coleman & Williams LTD |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $59,759 reported compensation |
| Fidelity Investments Institutional | $33,826 reported compensation |
| Aon Investments USA Inc. | $33,806 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929143419NAL0015337747001, received 2025-09-29, EIN 39-1999363, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.