Aaa East Central 401(k) Review & Grade
Aaa East Central 401(k) Savings Plan
Pittsburgh, PAOther Services1,350 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,835Employer $ per active participant
$2,996Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$126.4MNet plan assets, end of year
$96,643Average balance per account
Score breakdown
- Employer generosity43.1 / 5086th percentile for employer $ per participant
- Low cost22.5 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Other Services plans with 500–2,499 active participants (333 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 86th |
| Lower admin cost | 90th |
| Employee saving | 58th |
| Peers that auto-enroll | 40% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($587,254 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Aaa East Central put in about $3,835 per active participant, more than the typical peer ($1,257). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $5,178,500 |
| Participant (employee) contributions | $4,045,715 |
| Other contributions (incl. rollovers in) | $399,877 |
| Administrative expenses paid from the plan | $49,926 |
| Benefits paid out | $11,827,318 |
| Net assets, start / end of year | $113.7M / $126.4M |
| Active participants, start / end of year | 1,326 / 1,375 |
| Participants with account balances | 1,308 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Louis Plung & Company, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $50,043 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013113238NAL0000540323001, received 2025-10-13, EIN 25-1114373, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.