Automobile Club of Southern California 401(k) Review & Grade
Club Futuresave Plan
Costa Mesa, CATransportation & Warehousing13,989 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,736Employer $ per active participant
$5,002Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$1.6BNet plan assets, end of year
$127,459Average balance per account
Score breakdown
- Employer generosity33.3 / 5067th percentile for employer $ per participant
- Low cost20.5 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving9.3 / 1562th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Transportation & Warehousing plans with 10,000+ active participants (46 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 67th |
| Lower admin cost | 82th |
| Employee saving | 62th |
| Peers that auto-enroll | 30% |
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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
- Automobile Club of Southern California put in about $2,736 per active participant, more than the typical peer ($1,415). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $38,280,637 |
| Participant (employee) contributions | $69,977,408 |
| Other contributions (incl. rollovers in) | $7,359,050 |
| Administrative expenses paid from the plan | $494,298 |
| Other admin expenses | $23,365 |
| Benefits paid out | $128,931,667 |
| Net assets, start / end of year | $1.4B / $1.6B |
| Active participants, start / end of year | 13,605 / 14,373 |
| Participants with account balances | 12,652 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ernst & Young LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $443,938 reported compensation |
| Ernst & Young LLP | $25,000 reported compensation |
| Alight Solutions LLC | $22,940 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015140237NAL0004762817001, received 2025-10-15, EIN 95-0514585, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.