Acme Building Brands, Inc. 401(k) Review & Grade
Acme Brick Company 401(k) Retirement & Savings Plan
Fort Worth, TXManufacturing1,855 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$993Employer $ per active participant
$3,160Employee $ saved per active participant
0.28%Direct admin cost, % of plan assets
$137.5MNet plan assets, end of year
$75,489Average balance per account
Score breakdown
- Employer generosity8.4 / 5017th percentile for employer $ per participant
- Low cost10.7 / 2543th percentile for low admin cost vs. same-size plans
- Employee saving3.7 / 1525th 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 | 17th |
| Lower admin cost | 43th |
| Employee saving | 25th |
| 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
- Acme Building Brands put in about $993 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.
- 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 | $1,842,778 |
| Participant (employee) contributions | $5,861,185 |
| Other contributions (incl. rollovers in) | $89,001 |
| Administrative expenses paid from the plan | $371,999 |
| Investment advisory & management fees | $52,769 |
| Benefits paid out | $16,706,770 |
| Net assets, start / end of year | $128.2M / $137.5M |
| Active participants, start / end of year | 1,893 / 1,817 |
| Participants with account balances | 1,821 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Freed Maxick PC |
| Employer stock held by plan | $23,283,443 |
Largest service providers (Schedule C)
| Merrill Lynch, Pierce, Fenner | $262,082 reported compensation |
| Freedmaxick Cpas | $56,000 reported compensation |
| Ubs Financial Service Inc | $52,769 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415065905NAL0019524353001, received 2026-04-15, EIN 75-2864968, plan #014, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.