Ach Employment Services, LLC 401(k) Review & Grade
Ach Employment Services 401(k) Plan
Houston, TXReal Estate & Rental882 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$784Employer $ per active participant
$1,369Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$18.7MNet plan assets, end of year
$38,845Average balance per account
Score breakdown
- Employer generosity15.7 / 5031th percentile for employer $ per participant
- Low cost11.9 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1514th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 47th |
| Employee saving | 14th |
| Peers that auto-enroll | 47% |
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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
- Ach Employment Services put in about $784 per active participant, below the typical peer ($1,279). 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 | $691,589 |
| Participant (employee) contributions | $1,208,271 |
| Other contributions (incl. rollovers in) | $269,797 |
| Administrative expenses paid from the plan | $42,157 |
| Contract administrator fees | $42,157 |
| Benefits paid out | $2,446,386 |
| Net assets, start / end of year | $15.2M / $18.7M |
| Active participants, start / end of year | 887 / 878 |
| Participants with account balances | 482 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Laporte Apac |
Largest service providers (Schedule C)
| Stifel Nicolaus and Company Inc. | $49,202 reported compensation |
| United Benefit Pensions, Inc. | $13,247 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250919120747NAL0003031507001, received 2025-09-19, EIN 32-0473743, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.