Acro Service Corp 401(k) Review & Grade
Acro Service Corp. 401(k) Plan
Livonia, MIAdministrative, Support & Staffing Services1,328 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$79Employer $ per active participant
$1,771Employee $ saved per active participant
0.52%Direct admin cost, % of plan assets
$13.6MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity8.3 / 5016th percentile for employer $ per participant
- Low cost5.4 / 2522th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1550th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score24 / 100 · Grade F
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 16th |
| Lower admin cost | 22th |
| Employee saving | 50th |
| Peers that auto-enroll | 27% |
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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
- Acro Service put in about $79 per active participant, below the typical peer ($712). 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.
- Direct plan expenses (0.52% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $104,962 |
| Participant (employee) contributions | $2,352,491 |
| Other contributions (incl. rollovers in) | $445,422 |
| Administrative expenses paid from the plan | $67,086 |
| Contract administrator fees | $67,086 |
| Benefits paid out | $2,970,710 |
| Net assets, start / end of year | $12.2M / $13.6M |
| Active participants, start / end of year | 1,261 / 1,396 |
| Participants with account balances | 314 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $67,037 reported compensation |
| Principal Securities Inc | $24,355 reported compensation |
| Wilshire Advisors LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250915131541NAL0001134321001, received 2025-09-15, EIN 38-2413629, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.